James Rainbird

There’s no doubting that 2021 was a very positive year for the second-charge market and, from our perspective as a specialist packager in this market, it was not just busy at certain points but effectively all the way through the year.

Coming out of the pandemic

As we come out of the pandemic, it’s been somewhat obvious that the number of borrowers who have picked up some sort of adverse credit has grown.

Avalanche of numbers

One thing you can’t deny about the recent Budget is there were a lot of big numbers being bandied about by the Chancellor, Rishi Sunak.

In this market when we talk about second-charge mortgages, and what they’re used for, we tend to focus on a couple of key areas – namely debt consolidation and/or home improvements.