Two experienced specialist finance professionals have launched a new secured loans and second charge mortgage business as demand for homeowners to unlock equity without disturbing low-rate first charge mortgages continues to accelerate.
Flamingo Money has been established by Capital B Property finance directors Andre Bartlett and Chris Borwick, with former Positive Lending senior figure Declan Thomas joining as director after 12 years with the specialist distributor.
The launch comes at a time when the second charge market is enjoying its strongest period in almost two decades.
Finance & Leasing Association data shows new business volumes rose 17% during 2025, reaching their highest annual level since 2008, while growth has continued into 2026 with first quarter lending volumes up 22% and lending by value increasing 33% year-on-year.
SPECIALIST LENDING PANEL
Flamingo Money will provide secured loans and second charge mortgages to homeowners across England and Wales, offering access to a panel of specialist lenders to support customers seeking to consolidate debt, fund home improvements or raise capital while retaining existing mortgage arrangements.
Andre Bartlett (main picture, left), co-Founder of Flamingo Money and director of Capital B Property Finance, said: “We’re incredibly excited to launch Flamingo Money and bring something different to the secured loans market.
“We believe there is a real opportunity to create a brand that is approachable, transparent and genuinely focused on delivering great outcomes for customers.
“By combining the infrastructure and experience of Capital B with specialist secured lending expertise, we’re confident Flamingo Money will become a trusted name in the market.”
CUSTOMER EXPERIENCE
Chris Borwick, co-founder of Flamingo Money and director of Capital B Property Finance, added: “From day one, our vision has been to create a business that puts customer experience at the heart of everything it does.
“Secured lending can often feel complicated, but we want to make the process as simple and straightforward as possible.
“We’re delighted to have Declan leading the business and believe his knowledge and experience will be invaluable as we grow Flamingo Money over the coming years.”
ESTABLISHED RELATIONSHIPS
Thomas joins the business after more than a decade at Positive Lending, bringing established lender relationships and extensive experience of the secured lending market as Flamingo Money looks to establish itself within the growing specialist finance sector.
Declan Thomas (main picture, middle), director of Flamingo Money, said: “After 12 fantastic years with Positive Lending, I am thrilled to be joining Flamingo Money at the start of what promises to be an exciting journey.
“The opportunity to build a fresh, modern secured lending business with Andre and Chris was one I simply couldn’t ignore.
“Our aim is to provide homeowners with access to a comprehensive range of lenders, market-leading fee structures and a level of service that genuinely sets us apart.
“We want every customer to feel informed, supported and confident throughout their borrowing journey.”
