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

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Should brokers pick a lender based on proc. fee?

By Matthew Anderson, director of Fincorp

Throwing stones is always dangerous, particularly if you’re a lender and you’re throwing them at brokers. But I am going to throw this stone.

I have heard a worrying number of people suggest recently that there is a small minority of brokers out there who will reject using a bridging lender based on nothing more than proc. fee. It is true that most bridging finance is pretty standardised: you check the security, you check the term, you check the exit. The main things that differentiate bridging lenders are service, speed and cost.

Traditionally bridging rates were pretty standard across the market place at around 1.5% a month. The past couple of years have brought several new lenders into the space and it’s shaken things up: rates have come down on average and there is a lot more variety in the product types, structures and flexibility than there used to be. These developments are good for the customer for the most part. They can do more interesting developments, at a lower cost and drive up their profits.

Except, and this is why I am throwing the stone, it appears that the customer isn’t necessarily paying less for these “cheaper” loans. Instead, rates are coming down, fees are going up and the broker is taking a much larger slice of the pie. Now, don’t get me wrong, I am a huge champion of brokers. They are our lifeblood in bridging and there are many, many people in this market who do business with integrity, professionalism and, quite rightly, are driven by the often substantial financial rewards on offer.

I am a businessman myself – making money out of our commercial endeavours is the point. But I also believe that integrity and serving the customer well is fundamental. And I worry that there are a tiny minority of intermediaries who are maybe running the risk of forgetting that. I’m talking running a deal past several lenders that each come back with different rates, terms and costs to the borrower but one is dangling a whopping great 2% proc. fee in front of the broker’s nose.

Which do you pick?

It’s hard to turn down that kind of money, especially if there are only incremental differences in the rate and if the borrower doesn’t break the terms, well, then there’s hardly a difference at all. Except there is a big difference. This is personal bias at its very worst. As I understand it, there have even been instances where a broker has refused to do business with a lender because the proc. fee on offer was just not high enough.

This kind of mentality has a serious flaw, particularly in the world we operate in today. It is definitely not putting the customer at the heart of the transaction. It is not treating customers fairly. It is the opposite. And the fact is, like it or not, regulated or not, the Financial Conduct Authority has its beady eye on the whole darn lot of us in bridging. It has taken over supervising consumer credit and it is spending the next 18 months making very sure it’s got a tight grip on how unregulated lending in this sector affects and interacts with regulated consumer lending.

It is folly to think that, even where deals fall outside of the regulated world, choosing a lender based on the reward earned by the broker won’t result in the regulator coming down hard. It brings to mind another market that started to malfunction not so long ago. In 2006 and 2007 brokers were making hay, recommending prime borrowers take sub-prime loans because the rates were just as low, if not lower, all the while they were taking home twice as much bacon as the brokers recommending lower proc. fee prime deals.

It is naïve to think this kind of behaviour will be left unchecked. There is so much that the bridging market is getting right – let this not become the problem that undermines the professionalism we have built for our industry and competitive spirit that is so good for the customer.