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Second Charge Mortgages

London City

Second Charge Mortgages

We specialize in providing second charge mortgage solutions tailored to the needs of UK clients seeking financial assistance.

Key Features:
  • Second Charge Mortgages from £10,000
  • Funds typically secured within 2-3 weeks
  • Borrowing up to 6 times income and beyond
  • Various loan purposes including home improvements, second home deposits, debt consolidation, business ventures, car purchases, school fees, investment/holiday properties, family gifts, tax bills, weddings, and lifestyle funding
  • Option to roll up fees and add them to the loan amount
  • Market-leading second charge mortgage rates
  • Up to 100% loan to value
  • Flexible term options ranging from 1 to 30 years
  • Available for both residential and buy-to-let properties (regulated and unregulated)
  • No early redemption fees (ERCs) even with fixed rates
  • No legal cost options – external solicitors often not required
  • Adverse credit options – some lenders consider CCJs, IVAs, DMPs, and more
  • Up to 4 applicants on a single mortgage application
  • Joint borrower, sole proprietor applications accepted
  • Servicing England, Wales, and mainland Scotland
Our Commitment:

We pride ourselves on delivering fast, professional service. We understand the urgency sometimes associated with financial arrangements and strive to meet your needs promptly!

Understanding Second Charge Mortgages

A second charge mortgage, also known as a "secured loan" or "second mortgage," enables individuals to borrow money against a property that already has an existing mortgage.

The existing mortgage, termed the first charge, remains unchanged. However, the second mortgage is distinct, involving a separate agreement with a new mortgage lender. It differs from the first mortgage in terms of interest rate, duration, and overall mortgage term.

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