Second Charge Mortgages
Second charge mortgages are often called second mortgages because they have secondary priority behind your main (or first charge) mortgage. They are a secured loan, which means they use your home as security should you be unable to pay
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Allowing you to use equity in your home
A second charge mortgage allows you to use any equity you may have in your home as security against another mortgage, meaning you have two mortgages on your home. Equity is the percentage of your property owned outright by you, which is the value of your home less any remaining mortgage owed on it.