Business Details
50+ Years
experience
Your Trusted Partner for Specialist Mortgage Solutions
Established in 1974, Phone A Loan has spent five decades empowering individuals, businesses, and property professionals to achieve their property ambitions through a common-sense approach to lending. Our experienced underwriters prioritise understanding clients' unique circumstances, moving beyond automated systems to deliver tailored finance solutions. With a diverse product range including specialist mortgages, secured loans, and bridging finance, we cater to complex income scenarios, imperfect credit histories, and urgent funding needs.Our relationship-led model combines speed, flexibility, and regulatory compliance to serve clients when mainstream lenders cannot. Backed by FCA authorisation and FLA membership, we maintain rigorous standards while offering innovative financing options for residential and commercial property ventures.
Services
Commercial Mortgages
Bridging Loans
Buy to Let Mortgages
Personal Loans
Auction Finance
Development Finance
Second Charge Mortgages
Homeowner Business Loans
Details
- Year established: 1974
Highlights and features
- We offer 50 years of specialist lending expertise with flexible underwriting criteria
- Our experienced underwriters prioritise personal circumstances over automated decisioning
- We provide access to niche finance products unavailable through mainstream lenders
- We maintain FLA Lending Code compliance and FCA regulatory oversight
- Our dedicated support team delivers tailored solutions from application to completion
Associations and certifications
- Financial Conduct Authority
- Finance & Leasing Association
Services
Commercial Mortgages
Specialist commercial mortgages for property investors and businesses seeking funding for commercial property purchases. Our flexible criteria accommodate mixed-use properties with up to 60% commercial space, offering competitive rates through semi-commercial mortgage options. Experienced underwriters assess each case individually to support complex financing requirements.
Bridging Loans
Fast-approval bridging loans for urgent property transactions including broken sales chains and auction purchases. Available for both residential and commercial properties, our bridging finance solutions provide temporary funding with clear repayment terms. Unregulated products offer flexibility for specialist property scenarios.
Buy to Let Mortgages
Tailored buy-to-let mortgages for landlords building rental portfolios. Designed for both experienced investors and first-time landlords, our products accommodate various property types and tenant arrangements. Flexible income assessment supports self-employed applicants and complex financial situations.
Personal Loans
Secured personal loans using property equity for debt consolidation, home improvements, or business expansion. Second charge mortgages and homeowner business loans provide alternative financing options when traditional unsecured lending isn't suitable. Clear terms with responsible lending practices.
Auction Finance
Specialist auction finance solutions enabling rapid property purchases at auction. Designed to meet tight completion deadlines, these short-term loans support both residential and commercial property acquisitions. Streamlined application process ensures timely funding for successful bidders.
Questions
What types of mortgages do you offer?
We provide commercial mortgages, buy-to-let mortgages, bridging loans, second charge mortgages, and specialist products for complex income scenarios.
Can self-employed individuals apply for loans?
Yes, we specialise in assessing applications from self-employed individuals with non-standard income documentation.
How quickly can you process a bridging loan?
Bridging loan applications can be approved within 24 hours with completion typically within 48 hours of documentation.
Do you accept clients with imperfect credit histories?
We consider applications from clients with adverse credit histories, assessing each case based on individual circumstances.
What areas do you operate in?
We provide finance solutions across the United Kingdom for both residential and commercial property transactions.
Are your financial products regulated?
Most products are regulated by the Financial Conduct Authority, though some commercial finance options remain unregulated.
