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 £100,000* 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 £150,000 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 is a Patron Member of the NACFB.

How to apply

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.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured upon it