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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.

As an example, if your home is worth


and there is


left to pay on your mortgage, you will have


in equity. This means


would be the maximum sum you could borrow as a second charge mortgage.

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Professional Guidance

With such decisions, there can be added factors to consider within the process. This can cause more stress and misunderstanding without the guidance of a professional.

We take into consideration your needs and your current situation and provide you with the insight so that you can decide on the products and lenders provided by us.

We have access to the whole of market and have a deep understanding of each of the products and lenders. With the complexities of second charge lending, it is even more important to have the guidance of an experienced broker.


We are aware of this and will walk you through the whole process and provide a solid understanding of where you sit within the system.

Success is getting your cake and eating it.


You will have a full understanding of the decision that you have made and will have confidence in the product that you choose.

A successful outcome for you is that you will have the right product from the right lender for your circumstances.