Our lenders are:

lender optimum credit



Optimum Credit Ltd is a specialist Second Charge Mortgage Lender based in Cardiff and wholly owned by Pepper Money (PMB Ltd). Optimum is proud to work with Fluent and share a common goal of achieving the right outcomes for customers both pre and post sale.


lender precise

Precise Mortgages offers market leading rates exclusive to Fluent. Loans are available up to £1m on residential and buy to let properties, and Precise specialises in lending to self-employed clients. Precise offers transparent Bank base rate (BBR) tracker products, available for any purpose, along with a range of fixed rate options.


lender stepone

United Trust Bank was established in 1955 and is a specialist lender who provides a wide range of secured lending facilities and competitive deposit accounts. They have a common-sense approach to lending, and provide products and a level of service that fully meets those needs.


lender evolution

Evolution Money, part of the Darwin Group, are a multi-award-winning lender based in city centre Manchester. The innovative company was established in 2011 and they are focussed on helping customers who have previously been unsuccessful with more traditional mainstream lending routes. Evolution base their lending practices on affordability and sustainability, lending to customers without using LTV or credit score as the deciding factor.


lender shawbrooklogo

Shawbrook’s Residential mortgage team consistently apply common sense, flexibility and innovation when it comes to products and processes. They were the winner of “Best Secured Lender” at both the 2015 and 2016 What Mortgage? awards, voted for by consumers, demonstrating that they will go the extra mile to assess each case on its individual merits to ensure good customer outcomes.


lender prestige

Prestige Finance is the longest established second charge lender in the UK. Now a key part of the Stock Exchange listed OneSavings Bank group, Prestige offers a range of competitive products for prime and near-prime applicants, as well as a flexible underwriting approach and a simple application process.


paragon bank plc

Paragon Personal Finance is part of Paragon Bank PLC, a wholly owned subsidiary of FTSE 250 financial services specialist, The Paragon Group of Companies PLC. With many years of industry experience, their team specialises in providing simple, straightforward secured loans to fit each customer’s individual needs.


lenders together

Together has been established for more than 40 years and plays a major role in the secured second charge market. Together provides expert knowledge through common-sense underwriting, a quality of service alongside market-leading products.


lender norton

1st Stop Home Loans are part of The 1st Stop Group Limited, established in 2004. Based in Blackpool, 1st Stop offer loans up to £50,000 for customers who are unable or unwilling to borrow from high street lenders.


lender stepone

Central Trust is an independently owned specialist secured loan lender in the UK, and are part of the Norfolk Capital group. They have been providing secured loans to customers for more than 28 years and are committed to providing the very highest standards of service.


lender masthaven

Masthaven have been providing a flexible and personalised approach to bridging loans and secured lending since 2004. They take an individual approach to lending, offering a range of products and considering applicants’ personal circumstances rather than just their credit rating.


lender stepone

Step One Finance is a specialist consumer and secured lending business established in 2010. They design and deliver creative consumer loan products based on core values of responsibility, transparency, fairness and simplicity.


lender norton

Norton Home Loans is a secured lender renowned for its lending flexibility and the speed of the decision process when a loan enquiry does not quite fit their published lending criteria.


West one

West One Secured Loans Ltd, part of the Enra Group. are a leading provider of residential and buy to let second charge mortgages. We work closely with the team at Fluent Money to offer products which meet the needs of a wide range of borrowers needs including employed and self-employed, borrowers, landlords, older borrowers and those with less than perfect credit scores.

9.1% APRC Representative

Representative example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1% APRC. Minimum Term 12 months. Maximum Term 300 months. Maximum APR charged 49.9%.