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Do you expect to see less or more second charge mortgage lenders in 2018?

MCD loan completed in eight days

MCD loan completed in eight days

Optimum Credit teamed up with Smart Money to complete a Mortgage Credit Directive (MCD) loan in just eight days.

Hannah Joyce at Smart Money received the enquiry from one of its key introducers who was looking to source a second charge loan for his client who was self-employed, had a clean profile and held a mortgage with Virgin Money.

After finding out speed of service and rate were key needs for the client, Smart Money went to Optimum Credit. 

There the lender confirmed it did not require any valuation or mortgage reference, meaning Hannah could revert to the introducer inclusive of the evidence of research within an hour of receipt. 

The application was then returned and submitted to the lender who straightaway supplied the binding offer which resulted in the application being completed within eight days.

“This was a fantastic effort by all concerned and clearly demonstrates how mortgage brokers who want to retain [independent] status can utilise our packaging proposition to best effect for their clients,” added Steve Pollard, Head of Sales at Smart Money.

Tom Whitney, BDM at Optimum Credit, concluded: “The key to speed is as much down to the master broker’s ability to not only source the right deal for the customer, but also to package the deal efficiently. 

“As a master broker, Smart Money epitomises exactly what is needed in order to fulfil your enquiry through to completion in a professional manner.”

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