Business Details
Secured Loans & Financial Solutions in Maldon
Hoskin Home Loans is an independent finance specialist dedicated to providing tailored secured lending solutions. Established by an experienced team with deep industry knowledge, we address market needs through efficient, transparent services. Our panel of lenders enables access to a wide range of products, from prime to credit-challenged clients. We prioritise sound advice, leveraging decades of collective expertise to secure optimal outcomes. As a forward-thinking business, we combine market insight with a commitment to client-centric service, ensuring accessibility to competitive financial products. Services
Secured Loans
Bridging Finance
Commercial Mortgages
Home Improvement Loans
Debt Consolidation
Highlights and features
- Experienced team with decades of secured lending expertise
- Access to a diverse panel of lenders for tailored solutions
- Same-day decision process for urgent financial needs
- FCA-regulated services ensuring compliance and client protection
- Transparent fee structure with valuation costs covered by us
Associations and certifications
- Financial Conduct Authority
Services
Secured Loans
We provide second-charge secured loans from 10,000 to 2.5 million, with LTVs up to 95% for residential properties. These loans support debt consolidation, home improvements, or business funding, offering terms from 530 years with interest-only or repayment options. No upfront costs apply, as we cover valuation fees to streamline access to capital.
Bridging Finance
Our bridging loans address urgent property acquisition needs, including auction purchases and cash flow gaps. With flexible terms and rapid processing, we connect clients to private investors seeking quick returns. These unregulated products offer tailored solutions where traditional bank financing proves impractical or time-sensitive.
Commercial Mortgages
We arrange commercial financing for SMEs seeking property refinancing or acquisitions. Our expertise covers hotels, offices, industrial units, and investment portfolios, with LTVs up to 75%. We specialise in complex cases, including buy-to-let portfolios and businesses impacted by post-financial crisis lending restrictions.
Home Improvement Loans
Tailored loans enable homeowners to fund renovations, extensions, or repairs without remortgaging. We assess equity positions and budget requirements to provide competitive rates, ensuring projects enhance property value while maintaining financial stability through structured repayment terms.
Debt Consolidation
Our consolidation solutions combine multiple debts into a single secured loan, reducing monthly payments and simplifying management. We guide clients through early repayment charges and affordability assessments, rebuilding creditworthiness through disciplined financial planning.
Questions
What secured loan options exist for clients with credit issues?
We offer loans up to 75% LTV for clients with historic credit problems, tailoring terms to individual circumstances through specialist lenders.
How quickly can bridging finance be arranged?
Bridging loans typically complete within 2-3 weeks, with urgent cases expedited through our network of private investors.
Do you provide commercial mortgages for new businesses?
Yes, we work with lenders accommodating SMEs seeking property financing, including start-up ventures with viable business plans.
What areas do you cover for residential loans?
We serve Essex towns including Maldon, Chelmsford, and Colchester, with nationwide availability for eligible applicants.
Are there early repayment charges on your loans?
Our standard ERC is one month's interest after one month's notice, with some products offering greater flexibility.
