Lending

From consumer solutions to supporting brokers, our partners in Clever Lending, Clever Mortgages, Premium Plan and Red Potato offer cost effective, affordable and flexible lending solutions. Whether it’s supporting brokers in sourcing secure mortgages and loans for our clients, or working directly with consumers to provide affordable car finance – we have the expertise and experience to offer the right lending solution.

We understand the importance of a quick and effective response and solution for consumers and clients alike. Our lending solutions teams are made up of finance and industry experts, and you can be guaranteed competitive rates as well as high application success rates and solutions for bespoke, niche products to suit more unusual and challenging circumstances. Authorised and regulated by the Financial Conduct Authority, our lending teams offer dedicated support for their customers throughout and following their application.

Clever Lending & Clever Mortgages

Through our partners in Clever Lending and Clever Mortgages we provide cost effective, flexible lending and master broker products and services. Our focus is on delivering first charge, second charge, commercial and bridging loans, however our range of services is extensive.

Whether it’s supporting brokers in sourcing secure mortgages and loans for our clients, or working directly with consumers to meet their insurance needs – whatever the requirement, our associated companies have the expertise and experience to offer the right lending or insurance solution.

Our team is made up of finance and industry experts, who understand the importance of a quick and effective response and solution for clients. You can be guaranteed competitive rates as well as high application success rates and solutions for bespoke, niche products to suit more unusual and challenging circumstances. The lending teams have dedicated support for their customers throughout and following their application.

Visit Clever Lending to find out more about the products and services available:

  • Residential and Buy-to-Let second charge product range
  • Loans up to £2.5m
  • Employed and self-employed LTVs up to 95%
  • Buy to Let LTV up to 90%
  • Solutions for bankruptcy, CCJs, IVA and debt management clients
  • Pension / benefit only income considered
  • Ex council properties accepted
  • we are authorised and regulated by the Financial Conduct Authority

Visit Clever Mortgages to find out more about the products and services available:

  • Mortgages & Re-Mortgages and Equity Release
  • Home Insurance
  • Life Insurance
  • Second Charge Mortgages
  • Car Sourcing and Finance (via Red Potato and Premium Plan)
  • we are authorised and regulated by the Financial Conduct Authority

Premium Plan Limited

Premium Plan is a responsible motor finance lender and we specialise in providing car finance for customers with poor credit histories, CCJs, arrears, those who may already be in a debt arrangement and customers who may have been declined by mainstream providers. Our flexible approach allows us to often say yes, where others say no. Every customer will be guided through an eligibility and affordability assessment to ensure every loan we offer is appropriate for each customer’s circumstances.

Visit Premium Plan  to find out more about the products and services available:

  • tiered fixed rate products to cater for a range of customer circumstances (Representative 19.9% APR)
  • we offer loans up to £15,000 over 3, 4 or 5-year terms
  • those who are self-employed or discharged from bankruptcy can still apply
  • no up-front customer fees
  • we are authorised and regulated by the Financial Conduct Authority.

Red Potato

Red Potato is the customer-facing trading name of Premium Plan Limited and is committed to helping customers find their ideal car at an affordable price and arranging motor finance to help fund their new vehicle. If a customer is looking for a used car and has a less than perfect credit history, Red Potato can help source one as well as affordable finance – even if they have been declined elsewhere. Our friendly team is on hand to guide customers through the entire process ensuring they get the right information at the right time to make their car buying experience as seamless as possible.

Visit Red Potato  to find out more about the products and services available:

  • we help those with poor credit ratings to purchase good quality cars at affordable prices (Representative 19.9% APR)
  • there are no administration fees
  • we provide instant indicative lending decisions through our website with no impact to customer credit scores
  • we are authorised and regulated by the Financial Conduct Authority.

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100,000

Clients

5

UK & European offices

£240 Million

Distributed Annually to Financial Institutions

800

Employees