Loans Warehouse has announced the pilot release of a new second charge lending product for landlords, created in partnership with Scroll Finance.
Scroll Finance, founded by Ashish Kashyap and Vaibhav Tiwari, is backed by an experienced leadership team and recently became a subsidiary of Perenna Group.
The pilot product, launched ahead of a regulated version due in early 2026, targets a long-standing gap in the market.
Currently, less than 5% of all second-charge lending is directed at non-residential or landlord products.
The new offering introduces dynamically priced rates for buy-to-let second charge borrowing, alongside flexible features such as a Home Equity Line of Credit (HELOC) option.
Rates start from 7.05%, with loan sizes initially available from £25,000 to £200,000 and plans to extend the maximum to £1m.
Loans can be secured against single or multiple properties, including houses in multiple occupation (HMOs), for landlords with portfolios of up to 10 properties.
The product has a maximum loan-to-value (LTV) of 75%.
Matt Tristram, co-founder of Loans Warehouse, said: “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 at Scroll Finance, 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.”
