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A second charge also known as a ‘secured loan’ is simply an additional mortgage on top of your existing one. If you have the equity in your property but don’t want to leave your current lender, then a second charge could be what you need.

Second charges are the perfect way to raise funds secured against your property without having to move your existing mortgage. If you are already tied into your mortgage at the moment and you don’t want to pay an early repayment penalty, then you can go down this route to make sure that you don’t have to put your plans on hold just because you have a mortgage already!

Lenders also offer generous income multiples on a 2nd charge mortgage meaning that you may be able to raise the extra funds you require, that a re-mortgage simply can’t achieve due the restrictive affordability models that apply.

Get in touch to discuss this further if you feel this is something you could benefit from.

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