Don’t touch your main mortgage.
A second charge loan lets you use the equity in your home to borrow £10k–£500k — without remortgaging.
How much do you want to borrow?
Soft search only for your initial quote · 30 seconds · FCA-authorised broker partner
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Choose a Second Charge Loan?
A second charge sits alongside your current mortgage, leaving your existing rate in place
Keep Your Rate
A second charge sits alongside your current mortgage, not replacing it. Your existing rate stays in place.
Could Lower Your Monthly Outgoings
Consolidating high-interest debts like credit cards and loans into one payment could reduce what you pay each month.
Flexible Criteria
Second charge lenders can be more flexible than traditional mortgage providers. Options may be available for some customers, depending on credit history, affordability and lender criteria.
Quick Process
Typically faster than remortgaging. Get funds in as little as 2–4 weeks from application. Timescales vary and are not guaranteed. Subject to underwriting, valuation and legal work.
Borrow £10k - £500k+
Access significant amounts secured against your property equity. Higher amounts than unsecured loans. Subject to status, affordability and lender criteria.
Expert Guidance
We connect you with an FCA-authorised broker partner to explore suitable options. 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 a Broker Partner
An FCA-authorised broker partner will call you to discuss your options and provide advice.
Get Your Funds
If suitable and affordable, funds are typically released within 2–4 weeks. Timescales vary and are not guaranteed. Subject to underwriting, valuation and legal work.
Struggling with Multiple Debts?
If you are juggling credit cards, loans, and other debts, consolidating them into one monthly payment could simplify your finances. A second charge loan may help reduce what you pay each month.
Important: Consolidating debts may increase the total amount repayable. Your home may be repossessed if you do not keep up repayments on your mortgage.
Frequently Asked Questions
Before You Remortgage, Check Your Options
Get your free, no-obligation quote in just 2 minutes
Your home may be repossessed if you do not keep up repayments on your mortgage.