We offer unregulated finance and hire agreements secured on property, we do NOT offer loans and do NOT offer regulated consumer agreements.

From day one, Bluerock Secured Finance will dedicate itself to the mind set that you, the client, comes first enabling us to take a genuine first hand approach via your broker to serve your financing and refinancing needs.

As a private company we can make non conflicting decisions based on the people behind your business. Any support from guarantors, unilateral notices and legal charges on property that you and your guarantors can offer as security will assist us to supply a competitive finance offer for you to consider and review.

This makes Bluerock Secured Finance one of the most dynamic and forward thinking names in the market.  Whether you are a small family business to a blue-chip company we can assist in obtaining the funding and capital you need to grow and prosper.

IMPORTANT – For your information when considering whether or not to accept any offer of finance we make to you. Nationwide Corporate Finance Limited are our sister company and they are also an introducer. We are connected with Nationwide Corporate Finance Limited by common directors, shareholders and trading addresses. The finance offered will not be a loan but instead will be an asset finance or asset refinance agreement (sale and hire back). Under a sale and hire back agreement you will sell some of your goods to and hire them back from Bluerock Secured Finance Limited.   You will have a vat liability on the proceeds you receive and you will claim back vat on your monthly payments.

We do not offer business loans.  We offer unregulated asset refinance and asset finance agreements, the finance agreement will be secured on property.

If you accept any offer of finance we make you, you will be required to give personal and/or corporate guarantee(s) to support the finance agreement with your company and you may be asked to provide a guarantor to guarantee your businesses liabilities, in addition, dependent on agreement and amount borrowed and the credit status, we will require a unilateral notice or legal charge over your residential property and/or business property and/or any guarantor’s residential property, the charge cannot be removed until the agreement is settled and will also prevent re-mortgaging.

You can settle our agreements early and there are no additional penalties for doing so, however, you will pay exactly the same amount whether you settle the agreement early or if you let the agreement run it’s full term.   The settlement calculation is simply, all the contractual payments that would have fallen due are added together along with any notice period and risk fees with no discount and this will form the settlement figure.  We suggest to clients that are considering settling their agreements early to use their surplus funds within the business or other investments, as settling our agreement early has no saving and no benefit due to the settlement procedure that follows our strict funding covenant.

Potential fees and charges on the agreement:

Arrears Fees
If you miss your monthly payment, go into arrears you will be charged a fee as shown within your agreement.

Bi Annual maintenance fee
A Half Yearly Management Fee of £195 plus vat is payable every six months from the date of the Agreement until the agreement ends .

Document Fee
A one-off document fee is charged at the start of the agreement

Primary Rentals
Primary rentals are the monthly payments you are paying on the agreement for the period shown on your agreement

Secondary rentals
Secondary rentals continue unless or until you give us at least three months written notice to terminate and such notice will not take effect and start to run until the Primary Period has elapsed even if it is given earlier

Security Fee
You must also pay a Security Fee equivalent as a prior condition when you are otherwise entitled to have any debenture, legal charge or unilateral notice we have registered, removed or released.

Special Risk Fee
You must insure the Goods on the finance agreement so that they are covered throughout the term. You must provide us with proof of insurance prior to pay-out of the finance transaction.  If you fail to provide Proof of Insurance and on time, we will automatically charge an increased Special Risks Fee and give you notice that the increase will remain until you have provided Proof that the goods are insured. The Special Risks Fee incurred during any period when you fail to provide Proof of Insurance will not be refundable under any circumstances. The increased Special Risks Fee will stop immediately once you prove the goods are insured.

We advise you to review terms, charges and fees on our agreements before you commit to anything.


In instances where a borrower falls behind on repayments, or refuses to continue making payments, the lenders will have the usual rights to enforce their rights under the finance agreement and legal charge’s.  This can include:

  1. Placing a default on the customer’s credit file; or
  2. Instructing repossession agents.
  3. Appointment of a Receiver over the secured property or issue court proceedings to enforce their right to possession and sale of the property under the terms of the legal charge;

If you experience payment issues or your business stops trading, we strongly advise you to contact our customer services/collections department straight away who will try to help you and work with you.