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Mortgage Hotline - Call Us 0117 313 7780

1.79% - 5 Year Fixed 

  • Overall cost for comparison 3.30% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 5 years after which reverts to Barclays variable rate of 4.74%.

Call us for this special offer on 0117 313 7780

Second Charge Mortgage Broker

Second Charge Mortgage Broker 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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Second Charge Mortgage Broker

What is a Second Charge Loan?

A second charge loan(also known as a second mortgage) 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 a second charge loan

Whilst there are considerably fewer amount of lenders willing to offer second charge mortgages opposed to residential mortgages; this does not mean you cannot still find a great deal on a second charge loan. Many lenders are only willing to work through independent intermediaries, such as ourselves. That’s why we recommend that you contact a mortgage broker, who has access to these loan offers and can help analyse your situation and pick out a loan deal suited to you.

How we can help

As an independent mortgage broker, we can offer expert, unbiased advice to help you make the best decisions for your future. We have access to a range of leading and exclusive second charge mortgage deals that are not available on the high street. Our team of specialist second charge mortgage advisers can help analyse your situation and weigh up the options available to your personal circumstances.

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 advisers. 

A Complete Service

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

For a FREE initial conversation about your mortgage options complete our short enquiry form.

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