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Remortgage Hotline call now 0117 313 7780

Homeowner Loan

4.45% APR (variable)

  • £10,000 Loan over 10 years 
  • Monthly repayments £103.40 per month

Representative Example: The representative APR is 5% (variable) so if you borrow £10,000 over 10 years at a rate of 4.45% (variable) you will repay £103.40 per month & total amount payable £12,408.

Homeowner Loan

4.45% APR (variable)

  • £10,000 Loan over 10 years 
  • Monthly repayments £103.40 per month

Representative Example: The representative APR is 5% (variable) so if you borrow £10,000 over 10 years at a rate of 4.45% (variable) you will repay £103.40 per month & total amount payable £12,408.

Halifax Second Home Mortgage

Second Home Mortgage Service

Why choose us for a second charge mortgage?

Fair Mortgages can provide you with a first class service if you are looking for a second charge mortgage on your home. 

Special features of what we offer include:

  • Borrow from £10,000 up to £2.5m
  • Access to leading market rates from 2nd charge lenders
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - a property valuation may not be required
  • We have lenders who will take into account previous defaults and missed payments 
  • As part of our service we can review whether remortgaging is a better option for you in raising finance.

To investigate your second charge loan options call our specialist team on 0117 313 7780 or fill in our call back form. 

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Halifax Second Home Mortgage

What is a second home mortgage?

A second mortgage (also known as a second charge loan) is used as a way of raising capital instead of remortgaging. A second charge loan is secured against the equity that you own in a property and have second priority to your first property. Although you do not necessarily have to live in the property to get a second mortgage, you still have to own a home to be eligible.

In terms of repayment seniority, second mortgages are riskier for lenders which are reflected in generally higher interest rates for these types of products. In the event of a default by the borrower the 1st charge mortgage will be paid off first.

Where can I find second home mortgage deals?

The majority of second home mortgage are only willing to work through independent intermediaries, such as ourselves.

We work with the majority of UK second home mortgage lenders including Halifax; to bring you leading and exclusive deals on second home mortgages. Our team of specialist second charge mortgage advisors can help analyse your situation, weigh up your options and advise you on making the right decisions to meet your second home mortgage goals.

If you would like to find out what second charge mortgage options are available to you, or would like any advice or guidance; why not call our specialist second charge mortgage team today on 0117 313 7780 for a free initial consultation. Alternatively, you can fill in the contact request for a call back from one of our advisors.

About Halifax

Halifax has been providing mortgages for 150 years, and was formed in 1853 as the Halifax Permanent Benefit Building and Investment Society. In 2001, Halifax merged with the Bank of Scotland, taking the name Halifax Bank of Scotland (HBOS). In 2009, HBOS was acquired by the Lloyds banking Group. Nowadays, Halifax now provides a wide range of mortgages to suit different borrowers.

To compare Halifax mortgage deals with other leading mortgage rates and find the best deals for you, call our mortgage team today.

Compare Halifax Mortgage Rates - Halifax offer a selection of mortgage products for first time buyers, home-movers and for those looking to remortgage - For the best Halifax mortgage deals speak to us on 0117 313 778.

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Call 0117 313 7780 or Request Callback for our Second Home Mortgage Advisory Team

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