Second Charge Mortgages

A Second Charge Mortgage can be a great way to borrow against residential, buy to let, consumer buy to let, and HMO properties.

If you're struggling to meet a client’s borrowing needs, consider a second charge. Our lenders offer a flexible approach to underwriting, and we have a range of fantastic products to suit your clients’ needs.

Key product features

• Up to 100% LTV
• Maximum age 85
• Flexible income ratios
• Solutions from £20,000 up to £1 million
• Non-standard property type and construction
• Residential, Buy to Let and HMO properties accepted 
• Fixed and variable rates, trackers and interest only available 
• Joint applications accepted even when the deeds or main mortgage are in sole name
• All credit profiles considered, even missed / late payments on loans, credit cards and mortgages, accounts that are in default, outstanding CCJs, in a debt management plan, even discharged bankrupts.
• Any legal purpose accepted, including debt consolidation, home improvements, weddings, education costs, property purchase / deposit, tax bill and lease extensions. 

Ideal for clients who need to raise extra funds but they:

• Have been declined for a further advance or remortgage.
• Want to avoid disturbing their existing first charge by remortgaging.
• Face high early repayment charges if they remortgage early.
• Are struggling to secure the amount or term they need.

If your clients are facing any of these situations, we can help them find a solution. Explore our case studies to see how we've successfully helped other brokers and their clients.

How the referral process works

Simply refer your client to us, and we’ll handle everything from there.

We’ll complete the fact-find, source the most suitable product, and take full responsibility for the advice. From there, we’ll package the application and see it through to completion. You can choose how involved you want to be, but we’ll keep you updated regularly so you can stay informed on the progress of the case.

Once everything’s completed, you'll get a competitive commission package, typically paid on the next working day.

Get in touch today

For all Second Charge Mortgage enquiries, please call our team of experts on 0800 032 9595 or you can send us more details using our enquiry form and we'll call you. Alternatively, you can get an indicative online quote to give you an idea of rates here.

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