Business Details
Secured Loans and Financial Solutions in Maldon
Hoskin Home Loans is an independent finance specialist dedicated to providing tailored lending solutions for homeowners and businesses. Established by an experienced team with deep market knowledge, we leverage our extensive panel of lenders to offer competitive secured loans, bridging finance, and commercial mortgages. Our commitment to transparency and efficiency ensures clients receive same-day decisions and no upfront costs, with valuations covered by us.We specialise in navigating complex lending scenarios, including debt consolidation, property development, and credit challenges, while adhering to FCA regulations. With a focus on client-centric service, we prioritise sound advice and flexible terms to meet diverse financial needs across residential and commercial sectors.
Services
Secured Loans
Bridging Finance
Commercial Finance
Development Finance
Debt Consolidation
Highlights and features
- We offer access to a whole-of-market lender panel for competitive rates.
- Our team has decades of experience in secured and commercial lending.
- We provide same-day decisions and cover all valuation costs.
- We specialise in complex cases including credit challenges and development finance.
- We are FCA-regulated, ensuring compliance and consumer protection.
Associations and certifications
- Financial Conduct Authority
Services
Secured Loans
Hoskin Home Loans provides second-charge secured loans from 10,000 to 2.5 million, with LTVs up to 95% for residential properties. These loans are ideal for debt consolidation, home improvements, or business funding, offering flexible terms of 530 years and interest-only or repayment options. We cover all upfront costs, including valuations, and prioritise fast processing with same-day decisions.
Bridging Finance
Our bridging finance solutions address temporary funding gaps for property acquisitions, auction purchases, or cash flow needs. With flexible terms and rapid assessment, we connect clients to private investors and specialist lenders, ensuring quick access to capital for time-sensitive opportunities in both residential and commercial sectors.
Commercial Finance
We arrange commercial mortgages for SMEs seeking to refinance or purchase properties, including offices, retail units, and industrial spaces. With LTVs up to 75%, our FCA-regulated services cater to complex buy-to-let portfolios and investment properties, supported by a network of on- and off-street lenders.
Development Finance
Hoskin Home Loans facilitates development finance for residential and commercial builds, conversions, and large-scale projects. Our experienced brokers collaborate with specialist lenders to secure higher LTVs than high-street banks, ensuring tailored funding for pre-let developments or investment portfolios.
Debt Consolidation
We offer secured debt consolidation loans to simplify multiple payments into a single, manageable monthly repayment. By leveraging property equity, clients benefit from lower interest rates and structured terms, helping rebuild credit scores while avoiding repossession risks through responsible lending practices.
Questions
What types of secured loans do you offer?
We provide second-charge secured loans from £10,000 to £2.5 million for purposes like home improvements, debt consolidation, and business funding, with LTVs up to 95% for residential properties.
Can I apply for a loan with bad credit?
Yes, we work with lenders offering up to 75% LTV for clients with credit issues, though severe cases may require lower LTVs and stricter terms.
How quickly can I get a decision?
We provide same-day decisions and typically complete loans within 2–3 weeks, with no upfront costs covered by us.
Are your services FCA-regulated?
Yes, Hoskin Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority (No. 613005) for secured lending.
Do you offer commercial mortgages?
Yes, we arrange commercial finance for SMEs, including property refinancing and purchases, with LTVs up to 75% across offices, retail units, and industrial spaces.
What areas do you cover?
We serve Essex towns including Maldon, Chelmsford, and Colchester, as well as national regions from Cornwall to Scotland through our lender network.
