LM Mortgage Services

Mortgage/Remortgage

Second Charge Mortgage (secured loan)

Whether you are a first time buyer or coming to the end of your fixed rate, we have access to a wide panel of lenders and competitive rates. Our aim is to make the process as straightforward and stress free as possible.

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Second Charge Mortgage (secured loan)

A secured loan is essentially a second mortgage. This can be beneficial if you are not ready to re-mortgage if you are within a fixed rate period. It is also an option if you are struggling with debts or wish to release cash from your property.

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Buy-To-Let Mortgage

Second Charge Mortgage (secured loan)

Buy-To-Let Mortgage

Do you intend on renting out a property for other people to live in? Whether you are a first time landlord or expanding your property portfolio, we will assess the mortgage based on your rental income and it will typically be arranged on an interest only basis.

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Bridging Finance

Protection/Insurance

Buy-To-Let Mortgage

Bridging Loans are short-term lending solutions. It is often used by buy-to-let landlords, developers, or as alternative funding for customer’s looking to move or purchase another property who have not sold their own.

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Protection/Insurance

If a serious illness or injury unfortunately impacts your life, do you have any cover in place? We offer a comprehensive range of Life Cover, Critical Illness Cover & Income Protection Cover to suit your individual circumstances.

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Debt Consolidation

Protection/Insurance

Don't let debts take over your life. Remove any financial stress and save money each month by consolidating your expensive debts. We have access to a full range of products if you have poor credit.

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Meet the person behind LM Mortgage Services

Lauren McCallum

Lauren McCallum - CeMap

I am very proud to be part of the Specialist Master Broker Network at Secured Lending Options Ltd.

I am married with 3 boys who keep me busy.

I was a mortgage underwriter for 3 years prior to my current Advising/Underwriting/Packaging role.

I specialise in secured lending, advising on first and second charge mortgages, bridging loans, buy-to-lets and protection. I have extensive knowledge and valued experience in the industry, and work closely with my clients to understand their financial goals, tailor their financial products and help them achieve their objectives.

Due to the current financial climate, I have seen a significant increase in clients with adverse on their credit file. Please do not hesitate to get in touch as I have access to a full panel of lenders for various credit profiles.

Frequently Asked Questions

Please reach out at lauren@sloptions.co.uk if you cannot find an answer to your question.

What if I have poor credit?

We consider all circumstances as we understand you may face financial challenges. We are a master broker which gives us access to a wide panel of lenders. We search the market on your behalf for the best possible solution to your current situation.

How long does it take to arrange a secured loan?

Every situation is different. A straightforward case may take 1 week, whereas a more complex case could take 2 or 3 weeks. We always strive to make the process as quick and simple as possible.

How much can I borrow?

This depends on a number of factors; your monthly income, how much active credit you have, your current credit file, how much equity you have in your property. Please get in touch to find out how much you can borrow based on your personal circumstances. Most mortgage and second charge loan lenders have a minimum borrowing of £10,000.00.

What does Loan To Value (LTV) mean?

LTV is the size of the mortgage compared to the current value of you property. It is usually expressed as a %. The lower the LTV, the lower the mortgage/loan interest rate will be.

What is Protection?

Protection is a broad category of insurance policies designed to provide financial security for individuals and their families in the event of life events such as death, illness or job loss. Life Insurance provides a lump sum to beneficiaries in the event of death. Critical Illness Insurance provides a lump sum if you are diagnosed with a critical illness. Income Protection Insurance provides a regular income if you are unable to work due to injury or illness. We source you the most appropriate insurance policies based on your individual needs.

LM Mortgage Services Ltd. Registered office: Indigo House, 291 Springhill Parkway, Glasgow Business Park, Glasgow, Scotland, G69 6GA.

LM Mortgage Services Ltd is a trading style of Secured Lending Options Ltd (SC599363) which is regulated and authorised by the Financial Conduct Authority (939749).

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.