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Second Charge Mortgages

What is a Second Charge Mortgage?

A Second Charge Mortgage or Homeowner Loan as they are commonly referred to is borrowing secured against your property for any purpose. It will sit behind your main mortgage in order of priority on the land registry and works just the same as a normal mortgage. 

Why choose a Second Charge Mortgage?

There are lots of benefits to a Second Charge Mortgage. The best thing is, we will complete a full fact find and we will determine whether a Second Charge Mortgage is the best option for you. It could be poor credit, the need for a longer repayment period or simply just that you have a great rate on your mortgage, need further funds and a Re-Mortgage would lose you that rate. 

You don't have to worry, we'll do the hard work for you and our fully qualified advisers will guide you fully along the way. 

Second Charge V's Re-Mortgage?

  • Declined by the high street for a Re-Mortgage but need to raise funds
  • Self employed for less than 2 years and struggling with the high street
  • On a great rate and want to raise funds without losing that rate
  • Currently on Interest Only and need to raise further funds
  • Need to raise funds over a longer term the unsecured loans will allow
  • Early repayment Charges on existing product 
  • Declined for a Re-Mortgage or Further advance

There are lots of reasons to consider a Second Charge Mortgage, contact us to dicsuss further. 


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