Equifinance is a specialist second charge mortgage lender. They work closely with their UK wide distribution partners to develop and deliver lending products that suit the needs of a wide spectrum of customer circumstances. Equifinance seek to develop products that are designed to cater for a variety of customer needs. In particular they look to help applicants who have historically experienced financial difficulty but are in the process of recovering their financial situation. At Equifinance they are also sympathetic to customers whose employment situation is unusual, if they are relatively new to their current role or recently self employed.

They do not use automated credit scoring. Instead, they prefer to look at an applicant’s circumstances as a whole and this enables them to take a flexible approach when making a decision to lend.