It has been brought to our attention that a scam loans company called Loan4Help has been committing fraud by claiming to offer or advance “loans” to borrowers whilst pretending to be a trading company of Finance and Credit Corporation Limited. It is not. Loan4Help has absolutely no connection to Finance and Credit Corporation Limited.

It has also come to our attention that a third party has been contacting borrowers on a fraudulent basis by purporting to be Finance and Credit Corporation Limited and claiming to offer or advance “loans” to borrowers. This third party has been contacting borrowers on an unsolicited basis via the following email address: . Please note that our company Finance and Credit Corporation Limited is in no way connected with the third party and does not use or operate that email address.

These operations have been cold calling and emailing members of the public, fraudulently pretending to be or to be connected with Finance and Credit Corporation Limited, asking for upfront fees from borrowers and advancing monies in relation to purported “loans”. They have also sent documents to borrowers which fraudulently claim to contain the signature of the Managing Director of our company.

These operations have also been using the following telephone numbers to contact consumers: 0203 129 2514 and 0238 106 0723. They may also have been operating from other telephone numbers and email addresses.

Please note that Finance and Credit Corporation Limited does not cold call, send unsolicited signed “loan agreements” or ask for upfront fees. We strongly suggest that you call our Managing Director Elio Astone on 020 7722 7547 in advance of proceeding with any “loan” or if you have any further questions.

If you are contacted by Loan4Help, or any of the companies which appear to be involved in these frauds, you should also report them to Action Fraud on 0300 123 2040.

Bridging LoansClear & Simple

Fincorp is one of the UK's most established and respected bridging loan companies. For more than 25 years the company has been providing 1st and 2nd charge bridging finance on residential properties in London and Southern England. Our bridging loans vary typically between £100,000 and £10 million, and we lend up to 70% value of the property secured on the property. And because you deal only with decision-makers, your bridging loan requirements are always dealt with quickly and with the minimum of fuss.

Why Fincorp for Bridging Loans?

We're a Principal Lender. Customers are able to get a decision quickly on their bridging loan without having to wait for authorisation from anyone else. And there's no back-tracking at a later date. So that means when we say yes to a loan, we mean it.

Our approach to business is summed up in two words, Clear and Simple. We believe that bridging lending is a straightforward business, all too often complicated by lenders with their lack of transparency and reliance on the small print. We work hard to make your dealings with us as clear and simple as possible.

Our Criteria

  • Principal Lender
  • 1st and 2nd Charges
  • London and South East
  • Residential properties
  • Bridging Loans from £100,000 - £10 million
  • Up to 70% LTV

Enquiry/Application for Individual Applicants


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Latest News

Bridging extension fees could contravene MMR

Bridging lenders that slap clients with a large fee when the term of a loan is extended could be falling foul of Mortgage Market Review rules. Bridging lender Fincorp has warned that any conversations between bridging lenders and borrowers directly run the risk of straying into regulated advice, particularly if the borrower is facing having to extend their loan and the lender offers both regulated and unregulated products.

Nigel Alexander, director of Fincorp, said: “Most bridging falls outside the parameters of MMR and most lenders deliberately deal through brokers to avoid getting into any advice scenarios with clients directly. But the nature of bridging means that sometimes borrowers need to extend the term of their loans – and in the past that is a conversation that could have happened between the borrower and lender.

“The risk in a post-MMR world is that this conversation strays into advice from the lender because the client is quite likely to ask what their options for extending the loan are – it’s an especially grey area if the lender offers different ways of calculating interest charged on extension fees and if the lender is offering both regulated and unregulated loans. If the lender tells the client they can extend the loan and then the client realises that interest will be charged back-dated on the full term of the loan, there could be all kinds of difficult regulatory questions raised about responsibility.”

Mr Alexander’s comments follow a warning from the Association of Short Term Lenders issued earlier this year, cautioning bridging lenders to be on their guard against straying out of execution-only sales and into advice. Benson Hersch, chief executive of the ASTL, said at the time: “It will be complicated not to give advice and not to be seen to have given advice. Whilst making it clear to a client that they are not receiving advice for their extension of time – or anything else – the lender will also need to make them aware of the protections that they will lose by going down this route. They will then need to underwrite the fact that the client has confirmed that they are happy to lose these protections.”

Although unregulated bridging currently falls under Consumer Credit regulation and is exempt from the same rules governing regulated mortgage contracts, the supervision of this transferred to the Financial Conduct Authority in April this year.

Mr Alexander said: “It is going to take time for the regulator to get all the bridging lenders, not to mention other CCA lenders, through the registration process, but when they have done we think it likely they will look at this sort of thing. It’s something responsible bridging lenders should be ahead of the curve on.”

Under the existing MMR rules there is an exemption for variations and extensions of loans which allow conversations between lender and borrower to be considered “execution only”. The ASTL has issued guidance for its members suggesting that every lender will “need to document clearly if they have had any communication with a client and the client has chosen not to take advice”.

Mr Alexander added: “We believe that as this develops, we are likely to see less scrupulous lenders that charge extortionate extension fees come under pressure to ditch them. It will become increasingly obvious to clients that they’re paying through the nose for fees that other lenders don’t apply.

“That would be a very welcome outcome for the market as there are still far too many hidden charges for borrowers. But the upshot would be that headline rates would be likely to rise however as lenders will have to cover their costs in other ways.”