Loans Warehouse pilot breakthrough second charge for landlords with Scroll Finance

17 November 2025

Loans Warehouse have today announced the pilot launch of a new, dynamically priced second charge lending product for landlords in partnership with Scroll Finance.

Scroll Finance is backed by an experienced leadership team founded by Ashish (Ash) Kashyap and Vaibhav Tiwari with a vision to bring smarter, flexible secured financing solutions to the UK market. The company recently became a subsidiary of Perenna Group (which also owns mortgage lender Perenna Bank), strengthening its capital base and strategic ambition.

The breakthrough product is being launched ahead of the regulated product coming in early 2026, and fills an obvious gap in the second-charge market: currently less than 5% of total second-charge lending is on non-residential (or landlord/BTL) product. The new product offers:

Rates from 7.05%
Loan sizes from £25,000 to £200,000 (launching max loan size of up to £1 million soon)
Maximum LTV of 75%
A flexible Home Equity Line of Credit (HELOC) option — allowing borrowers to delay fund release and reduce interest costs
Landlords with up to 10 properties in their portfolio can borrow against single or multiple security properties, including HMOs

Matt Tristram, Co-Founder of Loans Warehouse, commented:

“For a long time now we’ve been advocating for more second charge products for landlords and Scroll Finance’s new product range is not only market-leading for rate, but dynamically priced, a first for BTL second charge. The process will surprise many with the ease of the customer journey, including AVM, 1 on 1 case support and use of Open Banking.”

John Webb, Head of Lending added:

“We’re delighted to be working with Matt and the Loans Warehouse team on this pilot. At Scroll, we’re focused on delivering financing solutions for homeowners and landlords that combine certainty, speed and a high-quality service experience. With competitive products and a modern approach to secured lending, we’re pleased to support Loans Warehouse in offering their clients a compelling new option that meets the real needs of landlords.”

This pilot launch demonstrates Loans Warehouse’s commitment to innovation in the second-charge sector, supporting brokers and landlords with differentiated lending solutions, and leveraging technology to achieve speed, simplicity, and scale.

For more information, brokers can contact Loans Warehouse’s second-charge desk at 01923 or email broker@loanswarehouse.co.uk