Borrow against your home without disturbing your existing mortgage.
A second charge mortgage lets you raise funds against the equity in your home while keeping your current deal in place. We help you weigh it against the alternatives and arrange the right option.
A second charge mortgage, sometimes called a secured loan, allows you to borrow against the equity in your home while keeping your existing first mortgage untouched. It can be a sensible route when remortgaging would mean giving up a favourable rate or paying a large early repayment charge.
It is not the right answer for everyone, so we look at your wider circumstances first. We compare a second charge against remortgaging and other options, then recommend the approach that leaves you better off.
We review your existing mortgage, your equity and what you want to achieve. We then compare the realistic options, explain the costs of each and, if a second charge is right, arrange it for you. Your first conversation is free and without obligation.
We weigh a second charge against remortgaging so you can see the true cost of each.
Where it suits you, we help you raise funds without disturbing a favourable rate.
We compare second charge lenders across the market, not a narrow panel.
If a second charge is not right for you, we will tell you.
Tell us what you are trying to achieve and one of our advisers will come back to you, usually within a working day.
Speak to an Adviser