Finsec Limited is a second charge mortgage lender. Formerly known as Northstar Loans Limited we have traded since 2002. Finsec is funded through a combination of private equity investment and high street bank funding which provides a secure financial base to operate from.
Why Finsec?
Finsec’s speciality is providing loans to borrowers with non-standard or complex income and credit profiles where the proposed borrowings combined with the amount owed to their first mortgage lender does not exceed 70% of their residential property value or 65% in the case of investment property.
Finsec’s Product
Finsec provides second charge lending between £3,000 and £50,000* to private individuals secured upon their residential property which is in owner occupation or subject to a rental agreement, or to their business where this is incorporated as a limited company or limited liability partnership and they are willing to enter a deed of guarantee. Lending is available throughout England and Wales but not Scotland and Northern Ireland. Loans are available for most personal purposes as well as small business purposes. *Larger loans up to £100,000 available in certain circumstances.
Finsec is regulated by the Financial Conduct Authority (FCA) to provide regulated products and services. If you are a FCA regulated intermediary and would like more information about Finsec please contact us at
Finsec does not promote direct to the public. Only regulated credit brokers may introduce to us. All sales are on an advised basis by a regulated mortgage intermediary or credit broker whose aim is to advise upon and arrange the most suitable credit or debt solutions for customers in return for a fee and commission. If you would like to find out more or to apply for a Finsec loan please contact your usual financial advisor or mortgage intermediary.
Finsec Limited is authorised and regulated by the Financial Conduct Authority under number 710344. Our address is 511 Centennial Park, Centennial Avenue, Elstree, Herts, WD6 3FG. Finsec Limited is a company registered in England and Wales. Company Number 04602134. Registered Office Palladium House, 1-4 Argyll Street, London, W1F 7LD
If you are an existing Finsec borrower and have any questions about your loan or are experiencing any difficulties in making your repayments then please contact us right away. Our customer services team are available from 9:00am to 5:30pm Monday to Friday if you wish to telephone us on 0208 731 3087 or email us at
At Finsec we try hard to make sure our customers get the best possible service. We are committed to 100% client satisfaction but we accept that sometimes things do not always work out the way we would like. Our customer services team are always on hand to help you and resolve the vast majority of your queries. However if you are not happy with our service we would like to hear about it. That way, we can do something to put it right as soon as possible.
Our Complaints process is designed to be transparent and provide a timely response to your complaint.
