A second charge loan sits behind your existing mortgage, letting you raise funds without remortgaging or losing a good existing rate.
If you're on a good fixed rate and don't want to disturb it, or additional borrowing with your existing lender isn't available or competitive, a second charge loan can raise funds against your property as a separate, secured loan.
We compare this against remortgaging and additional borrowing before recommending it, so you know it's genuinely the best route for your situation.
It's a separate loan secured against your property, sitting behind your existing mortgage — your current mortgage and rate stay untouched.
Common uses include home improvements, debt consolidation, business funding, or raising a deposit for another property.
Often yes, though it needs to be weighed against the cost of disturbing a good existing rate — we'll show you the real comparison.
Tell us what you need and we'll come back to you directly — usually the same day.
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