Equitable Charge Loans: Flexible Property Finance Solutions
Tapton Capital offers equity charge loans to property owners as a flexible loan option. Equitable charge loans are a flexible, secured financing option that does not require full legal transfer of property. Equitable charge loans offer tailored terms and expedited approval for astute borrowers.
What Is an Equitable Charge Loan?
The lender takes an equitable charge on a property without requiring full legal ownership or title transfer. An equitable charge differs from a mortgage in that it gives the lender a financial stake in the asset, giving both parties more flexibility and discretion.
Tapton Capital provides equitable charge loans to clients who need alternative funding solutions without the restrictions of traditional lending. With this lending model, you can avoid refinancing, manage short-term cash flow issues, and invest in real estate.
How Does It Work?
The Process Explained
Equitable charge loans are secured by the property you own. The lender knows they'll be repaid if the property is sold or refinanced. While a charge is often listed on a property's title, unlike a legal charge, it does not give the lender the right to sell the property.
Common Uses for Equitable Charge Loans:
Complex Financial Arrangements
Ideal for sophisticated financial structures that require flexible terms and conditions.
Second or Third Charge Loans
Perfect for borrowers who already have existing charges on their property.
Shared Ownership or Trust Property
Suitable for complex ownership structures and trust arrangements.
Alternative Lending Solutions
For lending agreements outside of mainstream banking institutions.
Benefits of Equitable Charge Loans
Flexible Lending Terms
Borrowers and lenders can adjust the terms of an equity charge loan according to their individual financial requirements.
Fast Access to Capital
They can often be arranged more quickly because they do not require legal title registration or formal mortgages.
Ideal for Second Charges
A borrower with a primary mortgage often uses them as second or third charges.
Maintain Ownership
Property remains yours, so you can manage it or use it as needed.
Discreet Financing
It might be beneficial for clients who seek more privacy or confidentiality in complex transactions to opt for equitable charges.
Who Can Benefit from This Type of Loan?
An equitable charge loan is suitable for:
Property Owners
Owners of homes with significant equity
Investors & Landlords
Investors or landlords seeking more leverage
Commercial Property Owners
Collateralised commercial property owners
Non-Traditional Borrowers
Non-traditional income and credit profiles of borrowers
Privacy-Conscious Clients
Avoiding legal charges for clients seeking discretion
Tapton Capital evaluates each situation individually so that the right funding is available based on your goals and needs.
Why Choose Tapton Capital?
Often, one-size-fits-all lending isn't the best solution. Tapton Capital offers:
- Custom Loan Structures: Tailored solutions designed around your specific requirements
- Professional and Quick Service: Efficient processing with expert guidance throughout
- Private and Specialist Lending Options: Access to alternative funding sources
- Dedicated Support and Transparent Terms: Clear communication and ongoing assistance
- Commercial and Residential Solutions: Comprehensive coverage for all property types
Let's Get Started
Are you seeking quick funding without the complications of a conventional mortgage? Getting the capital you need on your terms is possible with an equity charge loan from Tapton Capital.
For a free consultation and to explore your borrowing options, contact us today.
Get Free Consultation Call NowReady to Explore Your Options?
Whether you're a property investor, landlord, or business owner, our equitable charge loans can provide the flexible financing solution you need. Contact our expert team today to discuss how we can structure a loan that works for your unique situation.