Secured Property Loan
Experts in Homeowner Finance
Goldhill Finance grant flexible secured loans against property (with first and second-charge bridging) allowing borrowers to can act decisively – regardless if buying, refinancing, or unlocking equity from a residential or commercial building.
A direct lender, removing the need for middlemen to keep approvals swift when the need is urgent, and often return lending decisions in as fast as 4 hours.
Our loans at a glance
- Approval reached quick with zero delays
- Available from £25,000 to £500,000 (more possible)
- Property secured - houses, flats, or mixed use
- Loan provided on first or second charge
- Repayment that is flexible to you
How the Goldhill loan process works
Why people choose us for secured property loans
- Dealing with the lender, not another broker
- Urgent cases handled without delay
- Property-secured lending with common sense thinking
- Self-employed and complex credit welcome
- Payable on interest roll up or monthly schedule
- Transparent, quick and no avoidable delays
- 30+ years of lending expertise and know how
Benefits of applying with us
| Minimum lend | £25,000 |
| Maximum lend | £500,000 |
| Loan Term | Maximum 24 months |
| Security | Residential or commercial property |
| Charge type | First or second available |
| Decision | Approval in 4 hours |
| Deposit | Within 2 days of decision |
Most common questions on loans against residential property
Homeowner loan case examples
Real outcomes delivered (use for illustration only)
Not suffering a shortfall on a downsizing
Loan: £120,000 | Monthly rate: 1.40% | 6 months
What it was for: A client was wanting to downsize the residence and had their hearts set on their perfect new build, but the old property was still on the market and proving difficult to shift. Our bridge facility gave them cash to complete the new build purchase so not to lose out on their dream scenario.
How we made it easy: We turned it around urgently with the agreement ready and signed in under 48 hours and completed in less than a week. We streamlined and navigated everything (agents, solicitors, surveyors) so the client barely had to lift a finger.
Easing renovation headaches
Loan: £260,000 | Monthly rate: 1.30% | 12 months
What it was for: The property needed some serious renovation efforts before a high-street lender would touch it, so they needed cash immediately to get work done and refinance later.
How we made it easy: We lent against what the house would be potentially worth once fixed up and kept in close touch throughout the process of the works being carried out. Work promptly started the week we funded meaning they could get underway without hesitation.