lender optimum credit

Optimum Credit are part of the global Pepper Money Group, they are the largest provider of Second Charge mortgages in the UK. Optimum and Fluent work in partnership to deliver outstanding service and great customer outcomes to our customers.

lender precise

Precise Mortgages offers market leading rates exclusive to Fluent. Loans are available up to £1m on residential and buy to let properties, and Precise specialises in lending to self-employed clients. Precise offers transparent Bank base rate (BBR) tracker products, available for any purpose, along with a range of fixed rate options.

lender stepone

United Trust Bank was established in 1955 and is a specialist lender who provides a wide range of secured lending facilities and competitive deposit accounts. They have a common-sense approach to lending, and provide products and a level of service that fully meets those needs.

lender evolution

Evolution Money, part of the Darwin Group, are a multi-award-winning lender based in city centre Manchester. The innovative company was established in 2011 and they are focussed on helping customers who have previously been unsuccessful with more traditional mainstream lending routes. Evolution base their lending practices on affordability and sustainability, lending to customers without using LTV or credit score as the deciding factor.

lender shawbrooklogo

Shawbrook’s Residential mortgage team consistently apply common sense, flexibility and innovation when it comes to products and processes. They were the winner of “Best Secured Lender” at both the 2015 and 2016 What Mortgage? awards, voted for by consumers, demonstrating that they will go the extra mile to assess each case on its individual merits to ensure good customer outcomes.


Paragon Personal Finance is part of Paragon Bank PLC, a wholly owned subsidiary of FTSE 250 financial services specialist, The Paragon Group of Companies PLC. With many years of industry experience, their team specialises in providing simple, straightforward secured loans to fit each customer’s individual needs.

lenders together

Together has been established for more than 40 years and plays a major role in the secured second charge market. Together provides expert knowledge through common-sense underwriting, a quality of service alongside market-leading products.


Oplo established in 2009 with the idea of turning a commitment to fair finance into the future of borrowing. Providing loans to consumers across the UK, they are building a trusted and respected business with a real focus on financial fairness.

lender stepone

Central Trust is an independently owned specialist secured loan lender in the UK, and are part of the Norfolk Capital group. They have been providing secured loans to customers for more than 28 years and are committed to providing the very highest standards of service.

lender masthaven

Masthaven have been providing a flexible and personalised approach to bridging loans and secured lending since 2004. They take an individual approach to lending, offering a range of products and considering applicants’ personal circumstances rather than just their credit rating.

lender stepone

Step One Finance is a specialist consumer and secured lending business established in 2010. They design and deliver creative consumer loan products based on core values of responsibility, transparency, fairness and simplicity.

lender norton

Norton Home Loans is a secured lender renowned for its lending flexibility and the speed of the decision process when a loan enquiry does not quite fit their published lending criteria.

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