Second charge mortgages, when they fit.
A second charge lets you borrow against the equity in your home without touching your existing mortgage — useful when remortgaging isn’t the best move.
Keep your main deal, borrow against your equity
If you’re on a great fixed rate, have early repayment charges, or your circumstances have changed, a second charge mortgage can be a sensible way to raise funds without disturbing your first mortgage.
- Borrow against your equity while keeping your current deal
- Useful where remortgaging would trigger high early repayment charges
- Options for the self-employed and changed circumstances
- We compare second charge against remortgaging and further advances
Your home may be repossessed if you do not keep up repayments on your mortgage. A mortgage is a loan secured against your home.
What’s included
Protect your first rate
Leave your main mortgage untouched if it’s a good deal.
We compare the routes
Second charge, remortgage or further advance — we’ll find the best.
Raise funds
For home improvements, consolidation or other major needs.
Flexible criteria
Lenders that consider a wider range of circumstances.
Common questions
How is a second charge different from a remortgage?
Is my home at risk?
Who is second charge lending suitable for?
Ready to make it smooth?
Free initial advice, whole-of-market choice, and a team that stays with you long after completion.