Second Charge Mortgages





Ideal for customers looking to raise capital by releasing equity from their existing residential property.  Our Second Charge Mortgages can be arranged quickly often without affecting the existing mortgage.

  We also consider less than perfect ratings
  Your enquiry will not affect your credit score
  Get a fast response within the hour

Repayment Calculator

£10,000 £1,000,000
24 month420 months
Your repayments are every month at 4.6% APR

The figures shown are estimated and subject to change. For a comprehensive quote please apply now.


We are a broker, so we can search through an unlimited range of products to find the best solution for you. We work with an unlimited range of lenders to find solutions for all types of borrower’s, even those who have a poor credit history, or perhaps aren’t deemed eligible by most lenders.

Second Charge Mortgages at a glance

What is a second charge mortgage?

A Second Charge Mortgage is a loan secured on your property often with a different lender to your main mortgage, so as not to disrupt existing arrangements, including situations where the existing lender is not able to help. This means a client can borrow money using equity in their property as a security measure for the lender. As such, it is only available to property owners.

How much can I borrow?

Our loans typically start from £10,000 up to £1,000,000. We can sometimes finance up to 125% LTV in certain circumstances.

What are the rates?

Rates typically start from 3.84% depending on the LTV, credit profile and property type.

How long is the loan?

We can provide loan terms from 2 to 35 years.

Why would you need a second charge mortgage?


✔ A property purchase in the UK or overseas

✔ A deposit for another property

✔ Property refurbishment

✔ Debt consolidation

✔ Paying off a tax bill

When should you consider a Second Charge Mortgage?


✔ If your credit history isn’t brilliant, but you need to borrow some more money. For example, to pay for a home extension because your family has grown, it can be the most cost effective option.

✔ If you’re self-employed and struggling to borrow from elsewhere. It can offer you a way to use your home as security to get a loan.

✔ If your mortgage is fixed or discounted and has a high early repayment charge, taking out a second loan may well work out more cost effective than remortgaging your entire loan where you would have to pay a hefty early repayment charge.

✔ If your credit rating has fallen since you first secured your mortgage. The interest rate you are offered when seeking a remortgage or second charge loan is likely to rise or you may be declined facilities.  We will help assess your affordability.

How do I apply for a Second Charge Mortgage?

We have made the Second Charge Mortgage application process very simple.

In order to understand your requirements and to be able to make an immediate assessment, simply complete the application form and we’ll get back to you with a quote.

All loan applications are subject to affordability assessments.

Authorised and Regulated by the Financial Conduct Authority.  FRN Number:727308. Data Protection Act no: Z2777642

Think CAREFULLY before securing other debts against your home. Your home may be REPOSSESSED if you do not keep up repayments on a mortgage or any other debt secured on it.
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the term of the debt and increasing the total amount your repay.
A broker fee of up to 5% of the loan amount borrowed, may be payable on completion. Lender fees may also apply.

The actual APRC rate available will depend on your individual circumstances. Loans are subject to status. Please ask for a personalised illustration. Loans are secured on a property.
We arrange loans and mortgages from an unlimited panel of lenders. We will receive a commission from the lender upon completion.
Calls may be recorded for training purposes.

First4Seconds is part of the F4B Group which is a trading style of Brompton Asset Finance Limited which is regulated by the Financial Conduct Authority.