Matrimonial, Business and Personal Finance

Not every borrowing need is a standard home loan. Whether you are rearranging your finances after a separation, funding a business, or need a personal loan, we compare lenders and structure finance that fits your situation, alongside the bigger picture of your home and investment lending.

Matrimonial finance

A separation often means rearranging the mortgage. If you want to keep the family home, you may need to refinance it into your own name and borrow enough to buy out your former partner’s share. If you are selling or moving on, you may need finance to buy your next home on your own.

Buying out a former partner: refinancing the home into one name, including the amount needed to settle their share.
Buying again on your own: working out what you can borrow on a single income and helping you buy your next home.
Restructuring joint debts: separating or repaying joint loans, credit cards and other lending.

Lenders can usually assess your application using a draft separation agreement, but need the final signed version before the loan settles. Any changes in the final version may mean the loan has to be reassessed. They assess the loan on your own income, and some lenders can also take ongoing child support or Working for Families payments into account. We can work alongside your lawyer so the finance is ready when your agreement is signed.

Business finance

For buying a business, expanding, buying equipment or vehicles, working capital or bridging a cash-flow gap. Options range from loans secured against property to lending secured on the business or its assets.

Business purchase: funding to buy an existing business or franchise.
Equipment and vehicles: spread the cost of machinery, tools, vehicles or technology so cash stays in the business.
Working capital: a facility to manage seasonal or short-term cash-flow needs.
Property-backed business lending: using equity in property to fund your business, structured so business and home debt stay as separate as possible.

We help you put together what lenders ask for, such as financial statements, forecasts and the purpose of the loan.

Personal loans

For renovations, a car, a wedding, medical costs, travel or bringing higher-interest debts together. Personal loans can be secured against an asset or unsecured, with fixed repayments over a set term. If you own property, we’ll also check whether adding to your home loan would cost less, and explain the trade-offs.

Why use an adviser?

One conversation, several lenders. We know which lenders suit which situations, so you don’t have to apply in several places.
The whole picture. We look at this loan alongside your mortgage and other debts, so a short-term fix doesn’t create a long-term problem.
Support at a difficult time. After a separation, we explain your options clearly and work with your lawyer so you can make decisions with confidence.

Other Finance FAQs

Can I keep the family home after we separate?

Often, yes, if you can borrow enough on your own income to refinance the home and pay out your former partner’s share. We’ll work out what you can borrow early, so you know your options before your agreement is finalised.

Do I need a signed separation agreement before applying?

No. We can apply with a draft separation agreement, so you can find out what you can borrow and get approval underway early. The final signed agreement is needed before the loan settles. If the final agreement differs from the draft, the loan may need to be reassessed, so we strongly recommend that the draft you submit matches what you expect to sign.

Will applying affect my credit score?

Each formal application can be recorded on your credit file. Talking to us first means we can point you to the lenders most likely to approve you, instead of applying in several places.

Is it cheaper to add the cost to my mortgage?

The interest rate is often lower, but you may repay it over a much longer time and pay more interest overall. We’ll show you both options.

Can I get business finance if I'm self-employed?

Yes, though lenders usually ask for financial statements and tax returns. We’ll tell you what your lender will need.

Talk to us about your next loan

Tell us what you need the money for, and a licensed adviser will come back to you with options. Conversations about separation are kept confidential.