Consolidate Your DebtsWithout Losing Your Mortgage Rate
A second charge loan lets you borrow against your home equity while keeping your existing mortgage. Perfect for debt consolidation, home improvements, or major purchases.
No obligation • No credit check to get a quote • Expert advice
Why Choose a Second Charge Loan?
Keep your existing mortgage rate and access the equity in your home
Keep Your Rate
Don't lose your existing mortgage rate. A second charge sits alongside your current mortgage, not replacing it.
Lower Monthly Payments
Consolidate high-interest debts like credit cards and loans into one lower monthly payment.
Flexible Criteria
More flexible than traditional mortgages. Options available even with imperfect credit history.
Quick Process
Typically faster than remortgaging. Get funds in as little as 2-4 weeks from application.
Borrow £10k - £500k+
Access significant amounts secured against your property equity. Higher amounts than unsecured loans.
Expert Guidance
FCA-regulated advisers help you find the best deal from the whole market. Free, no obligation advice.
Get Your Quote in 3 Simple Steps
Quick, easy, and completely free
Answer a Few Questions
Tell us about your property and how much you'd like to borrow. Takes just 2 minutes.
Speak to an Adviser
A specialist adviser will call you to discuss your options and find the best deal.
Get Your Funds
Once approved, funds are typically released within 2-4 weeks.
Struggling with Multiple Debts?
Consolidate credit cards, loans, and other debts into one manageable monthly payment. Many customers save hundreds per month by switching to a second charge loan.
Frequently Asked Questions
Ready to Consolidate Your Debts?
Get your free, no-obligation quote in just 2 minutes