Bridging Finance

We offer flexible short-term funding solutions tailored to your needs. With competitive rates and personalized support, streamline your financial journey with SOS Non-Bank today.

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Development And Construction Loans

Turn your vision into reality. Our Development & Construction Loans are designed for non-bank borrowers looking to finance land acquisition & construction costs.

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Investment Property Finance

In today’s dynamic real estate market, traditional banking solutions aren’t always the best fit for every investor. Non-bank lenders have become a popular alternative for securing investment property finance, offering more flexible and tailored solutions for borrowers who may not meet conventional lending criteria

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Business Equity Releases

Unlock the potential of your asset. Our Equity Release option lets you access the equity in your asset without selling. We offer flexible solutions. Contact us today for a free consultation.

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2nd Mortgages

Need funds for a big expense? Our 2nd Mortgages offer a way to leverage your home equity. Unlike traditional banks, we consider a wider range of situations.

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We also provide the following services: 1st Mortgages, Marital Separation Refinances, Tax arrears and IRD Issues, Discharged Insolvency, PLA (Mortgage Default) Refinances.

Empowering you the Mortgage Advisor to say Yes. Even when the Bank says No

As a Mortgage Advisor, your role is critical in guiding clients through important financial decisions. However, there are instances when the traditional route through banks doesn’t work out. Whether it’s because of strict lending criteria, a client’s non-standard income, or credit history issues, being told “no” by a bank can feel like the end of the road. But it doesn’t have to be.

I am here to provide a solution when the banks say no. SOS stands for Solutions-Out-Sourced and we specialise in non-bank lending, my organisation can offer flexible financing options for clients who don’t meet the rigid criteria of traditional lenders. From self-employed individuals and developers to those with less-than-perfect credit, our goal is to find tailored solutions that make sense for your client’s unique circumstances.

Partner with Us and Stay in Control

We understand how important it is for you to maintain your client relationships. That’s why, when you refer your clients, you remain at the heart of the process. We act as an outsourced solution, empowering you to provide a valuable alternative for your clients while ensuring you still get paid. By working with us, you’re able to offer a broader range of services and maintain your reputation as the go-to expert, even when traditional lenders cannot help.

Our non-bank lending options give you the flexibility to help clients who need a different financial solution. Whether it’s refinancing, equity release, development, debt consolidation, or simply structuring a loan in a way that works for a particular financial situation, we’re here to assist in making those deals possible.

Why Turn to US?

Flexible Solutions

We specialise in cases that traditional banks won’t take. Whether it’s self-employment, development, irregular income, or adverse credit history, we have the tools and expertise to structure loans that meet your clients’ needs.

Fast Approvals

We know timing is crucial. We work quickly to assess your client’s situation and deliver solutions, ensuring you don’t lose out on opportunities.

Referral Partner

By partnering with us, you’ll earn income on a deal that would have otherwise fallen through. You can confidently refer deals and rest assured that you’re still being compensated.

Empowering You to Say Yes, Even When Banks Say No

Your reputation as a Mortgage Advisor is built on trust, expertise, and your ability to get results. When you partner with me, you’re adding another powerful tool to your toolkit—one that allows you to help more clients, close more deals, and ultimately grow your business.

Don’t let a bank’s rejection stop your client’s progress. Turn to us for non-bank lending solutions and watch as you turn those “no’s” into “yes’s.” Together, we can help more people achieve their financial goals.

Ready to Get Started?

If you’re interested in learning more about how we can support you and your clients, reach out today. Let’s discuss how we can become your trusted referral partner, helping you offer more, close more, and ensure you always have a solution—no matter what the banks say.

Contact us now to learn more about partnering with  SOS Non-Bank. Empower your business while providing exceptional service to every client who walks through your door.


Talk to us about your needs.

No matter what solution you need, we make it easy, we make it simple & we make it happen.