SBL Financial

25/05/2026

We are now going to be on facebook for my Secured Loan company watch this space for updates over the coming weeks

At Ram Secured Loans, we understand that every client’s circumstances are different. Whether you are looking to release equity from your home, consolidate debt, raise capital for another property purchase, or have previously been declined elsewhere — we may still be able to help.

✅ Adverse credit considered
✅ Debt consolidation options
✅ Up to 100% LTV available in some circumstances
✅ Previous declines considered
✅ Multiple income sources accepted
✅ Raise capital for property purchases or investments
✅ Equitable charges available
✅ Flexible underwriting solutions
✅ Bespoke service from an experienced team

If you are a broker, investor, developer, or homeowner looking for a flexible second charge or secured loan solution, get in touch with the team today.

☎️ 02394 005419
📧 [[email protected]](mailto:[email protected])

14/04/2026

We’re rejecting more clients than ever… yet we’ve never been busier.
Not every broker is right for every client — and not every client is right for us.
Guesswork is the fastest way to set a project up for failure. That’s why we don’t guess. We carry out detailed analysis, proper engagement, and give clear advice from the outset. It’s also why we continue to deliver results and work with some of the biggest names in sport and entertainment.
Because SBL Financial is regulated and accredited by the National Association of Commercial Finance Brokers, we are held to a higher standard. That means:
Advice and recommendation — not order taking
Suitability always comes first
And sometimes, the answer is “no”
We know that approach isn’t for everyone — and that’s fine. We’re probably a bit marmite… but for the right clients, it works.

Property finance and investment carry risks. Values can go down as well as up, and funding is subject to status and lender criteria. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured against it.

08/04/2026

Do you want Term 100% funding for your MUFB (Multi-Unit Freehold Block) acquisition?

It’s been a while since I got the whiteboard out… so here’s a slightly light-hearted take on something that can often feel very dry 👇

If you’ve got titles split and leases in place ahead of completion, lenders may look to value the asset based on the finished individual unit multiple value, not just the purchase price.

That’s where it gets interesting…

As long as the deal stays within the 100% purchase price / 75% uplifted value parameters, there can be a structure that allows you to maximise leverage in a smart, controlled way.

⚠️ Of course — structure is everything along with a quality property to begin with

If you want to understand how this could apply to your next deal — or sense-check a structure — happy to talk it through.

📧 [email protected]
📞 02394005420

Risk Warning: Property values can go down as well as up. Finance is subject to status, lender criteria, and valuation. Not all applicants or properties will qualify. Your property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.

06/04/2026

06/04/2026

🔑 Struggling to find the right bridging lender or broker?
With hundreds of lenders and thousands of brokers all claiming to be “experts”…👉 where do you actually turn?
The reality is this:
Too many are happy to place the deal…
❌ but not interested in the exit strategy
And that’s the most important part.
Because let’s be clear —
how do you enter a bridging loan without knowing exactly how you’re getting out?
⚠️ Bridging is not about rates
It’s about:
Structure
Ex*****on
And most importantly… EXIT
👉 The cheapest rate is rarely the best solution
👉 The right lender is the one that gets the deal done and gets you out safely
💡 At SBL Financial we do things differently
We are not order takers.
We advise, structure, and deliver.
✔ Accredited by the National Association of Commercial Finance Brokers (NACFB) – not just members
✔ Fully regulated
✔ Access to exclusive & semi-exclusive products
✔ AVM valuations + indemnity options
✔ Strong lender relationships that actually get deals over the line
🧩 What we cover
Bridging (regulated & unregulated)
Commercial & semi-commercial
Auction purchases
Second charge
Un mortgageable properties
Title splitting / complex structures
Cross charges
💷 From £50k to £50m
📌 The bottom line
If you’re looking at bridging:
👉 Does the deal make sense?
👉 Is the exit clear, realistic, and achievable?
Because that’s what really matters.
📞 Let’s talk
📧 [email protected]
📞 02394 005420
You’ll be matched with a true specialist, not just someone chasing a deal.


Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.
The FCA does not regulate Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.

24/03/2026

Big thanks to Together - loans, mortgages & finance — Michael Schofield and Andy Neo — topped off with a 7:45am funding notification 💥
This one involved one of our more well-known clients, with work happening well outside normal hours to fit around filming schedules 🎬
I may have slightly spooked Schooe along the way… suggesting if it didn’t get done, someone might be turning up at his door — and he’s a big guy 😅
You’d be surprised at the people we bring to Together - loans, mortgages & finance , but that’s exactly what our clients value — frictionless deliverability, no matter the moving parts.
Unfortunately my daughter loves basketball and we’ve got a court set up at home, so I’m using completely the wrong ball in the picture 😂🏀 — but you get the idea… sorry, not sorry.
At SBL Financial, we specialise in sports & entertainment, delivering a truly bespoke service tailored to each client — working seamlessly with banks, solicitors, and our wider network to get deals done and outside working hours - right I have to go I have a early video call to Hong Kong 🙂

02/03/2026

Every landlord needs to read this, Protect your income

With the Renters' Rights Bill just around the corner, it’s more important than ever for landlords to think seriously about protecting their rental income.

If a tenant stops paying rent, the financial impact on genuine landlords can be significant — especially with ongoing mortgage payments, maintenance costs and other commitments still due.

For a relatively small additional premium added onto your main landlord insurance policy, Rent Guarantee Insurance can protect thousands of pounds of income.

Why wouldn’t you protect your income for the sake of a modest annual cost?

If you own a Buy-to-Let property — whether in your personal name or a limited company — and it’s let on an AST, you should be considering a policy that protects your rental income.

✔ Cover up to £3,000 per month
✔ Cover up to £50,000 (subject to T&Cs)
✔ From as little as £150 per year when bolted onto your main policy

If you’d like a quote and want to protect your income properly, contact SBL Financial:

📧 [email protected]

📞 02394 005420

Book your appointment today and make sure your rental income is protect

09/02/2026

The full episode can be found on Islam Channel’s website — a 50-minute Brunch Time feature covering finance, business, and property.

It was broadcast globally, and the response was incredible. Zia even had viewers contacting the TV station from Pakistan asking for his details and potential deals ahead of flying into the UK.

14/01/2026

Bridging has never been more competitive.
Higher LTVs. Lower rates. Louder marketing.

But headline terms mean nothing if you don’t understand what you’re signing up to.

At SBL, we’re seeing lenders pushing 80%, 85%, 90% — even 100% LTV deals.
What they don’t always shout about?
👉 Debentures over all your assets
👉 Cross-collateralisation
👉 Definitions quietly doing the heavy lifting

And this is where most people get it wrong.

GDV is NOT BMV.
Not even close.

Yet we’re seeing developers and investors being told online that a development deal is “below market value”.

It usually isn’t.

A property bought at today’s market price with uplift after works is GDV-led lending.
That is not BMV.

True BMV means:
✔ Bought below open market value on day one
✔ No works required to justify the discount
✔ Usually driven by distress, speed, or bulk disposal

Probate. Motivated sellers. Portfolio offloading.
That’s BMV.

Lenders know the difference — and price, structure, and secure deals accordingly.

At SBL, this is our bread and butter.
We don’t chase headlines.
We interrogate definitions, lender security, and exit risk — because that’s what protects your balance sheet.

If someone tells you “it’s BMV, don’t worry” — and can’t explain why, how, and on what basis the lender agrees…
🚩 You should worry.

Bridging is easy to sell.
Getting it right is not.

That’s why clients come to SBL.
📩 Email: [email protected]

📞 Tel: 02394 005420

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