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Mortgage & Equity Release - Call Us 0117 403 4474

2.44% Lifetime Tracker 

  • Maximum LTV 80%
  • Overall cost for comparison 2.5% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

1.22% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.30%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

1.37% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 2.80%
  • Interest only option

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 NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.60% 2 Year Fixed 

  • 90% Loan To Value
  • Overall cost for comparison 3.60%

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to the variable rate of 3.59%.

Call us on 0800 068 8567

Can I Have Two Mortgages On One Property

Second Mortgage Service

We offer a first class service if you are looking for a 2nd mortgage. 

Special features of what we offer include:

  • Borrow from £25,000 up to £2.5m
  • Market leading rates
  • Exclusive rates - Access to exclusive loan deals not available on high street
  • Fast turnaround - 15 working days possible
  • Not a perfect credit record? We have lenders who will take into account previous defaults and missed payments
  • Short term finance required? 1 to 12 months - See our bridging loan service

To investigate your second mortgage options call our specialist team on 0117 403 4474  or fill in our call back form. 

What is a second mortgage?

Seccond mortgages are loans on a property which are subordinate to the 1st charge mortgage (loan) on the property.

Second mortgages are often known as secured loans, or homeowner loans. 

What can I use a second mortgage for?

A second charge mortgage can be used for almost any legal purpose. This will depend on the lender, but examples of what 2nd charge lenders will accept include:

  • Home improvements, renovations and extensions
  • Property development
  • Purchasing a second home in the UK or abroad
  • Buying property at auction
  • Debt consolidation
  • Additional property
  • Car/Vehicle purchase
  • Medical bills
  • School fees

How do I get a second mortgage?

Different lenders have different criteria but some general rules of thumb are:

  • You need to have an existing mortgage in place 
  • You will need sufficient equity in your property - typically a second charge lender will not lend based on the loan you are looking for over 90% LTV taking into account the existing first mortgage.
  • Your credit history will be a factor. Lenders take different views on previous credit blips so talk to us for futher information
  • Location - where you live in the UK may determine whether you can raise finance on a second charge basis

To find the best second mortgage rates and options open to you call us today on 0117 403 4474

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Request Call Back - Second Mortgage Service

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

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Why Fair Mortgages?