We’ve been in business for 44 years - in that time, we’ve seen many trends come and go in the world of politics, technology, pop culture, and of course, our specialist area – the world of finance.

But over more than 40 years, one thing that’s never changed is our unwavering commitment to common-sense lending. One that looks at each case individually, and takes a customer’s personal circumstances into account before trying to find a way to help. Even in the most complicated situations, or when the high street lenders find it hard to say ‘yes’.

We’re here for all sorts of people in all sorts of situations, providing the finance they need to move in, move up, get on, or start something. Like homebuyers, investors, property professionals, landlords, and small businesses. We’re all about partnerships too. We work with a vast network of intermediaries, including brokers, accountants, solicitors, banks and financial advisers to get their clients the finance they need.

A ‘computer says no’ mentality has never cut it with us. Nor has just relying on credit scores and a one-size-fits-all approach. Thankfully, life is more complex than a series of algorithms, that’s why we’ve always put our people’s experience and understanding of our customers’ needs front and centre of the decision-making process.

Key facts

We know our approach to lending works. We’ve grown every year for 44 years, in good times and not-so-good times, to become one of the most profitable and financially stable businesses in the North West. One with more than 750 employees and a loan book topping £3.25 billion.

It’s not rocket science. It's about using common sense to explore every avenue to see if we can help. It’s what makes us different. It’s what brings us together.