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Mortgage & Equity Release - Call Us 0117 403 4474

Homeowner Loans

4.19% APR (variable)

  • Borrow from £10,000 to £500,000
  • Loans from 3 to 35 year terms

Representative Example:The Representative APRC is 9.1%. Based on an assumed loan amount of £18,000 (including broker fee of £1,530 & product fee of £495) over 60 months at an interest rate of 4.95% (variable). Monthly repayment £227.38 & total repayable £26,945.40.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.92% Fixed 27 months 3.2% APRC 60% £999 £559.89 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £559.89 per month get quotes Call direct0800 068 8567
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £559.89 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £559.89 per month get quotes Call direct0800 068 7706
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
HSBC logo 0.94% Fixed 27 months 3.2% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.94%
Rate type: Fixed 24 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.3% APRC
Nationwide BS logo 0.94% Fixed 24 months 3.3% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call direct0800 068 8567
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £200 cashback £561.24 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call direct0800 068 7706
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
TSB logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call us0117 403 4474 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Second Charge Mortgage Providers

Our Second Charge Mortgage Service

Why choose us?

Fair Mortgages can provide you with a first class service if you are looking for second charge mortgage advice. We work with most UK lenders  and can compare them to provide you with the best deal.

Special features of what we offer include:

  • Whole of market broker - we deal with most UK Second Charge lenders
  • Rates - Access to leading buy to let market rates
  • Exclusives - Access to exclusive second charge mortgage deals not available on high street
  • Our BTL Expertise - Expert help whether you are a first time investor or experienced full time landlord
  • Credit Issues? - We have lenders who will take into account previous defaults and missed payments 

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

Right Bullets

Second Charge Mortgage Providers

If you need to raise finance for whatever reason and are put off by paying more interest by remortgaging then a second charge mortgage might be the answer you’re looking for.

What is a second charge mortgage?

Second charge mortgages are referred to as second mortgages because they have a second priority behind your first mortgage. They are secured against the equity you own in a property (making them a secured loan), which essentially means that you have two mortgages on your home.
Second charge mortgages offers finance solutions for an almost endless variety of purposes (providing it’s not illegal), some of these include:

  • Home improvements
  • Lease extensions
  • Payments of a tax bill
  • Deposit for a property purchase
  • A new car
  • Business purposes
  • And the list goes on...

Where can I get a second charge mortgage

So if you’ve decided that a second charge mortgage is right for you, your next thought might be as to where you can get one of these. Second charge mortgages are not as ubiquitous are regular mortgages, although there are still plenty of lenders offering good deals if you know where to look. Here are some of the popular providers of second charge loans

Shawbrook Bank – Shaw brook is a specialist savings and lending bank with a strong appetite to lend. They offer both regular and buy to let second charge mortgages, and their quality has been recognised with various secured lending awards. To apply for a second charge mortgage through Shaw brook, you are required to apply through an authorised intermediary such as ourself.

Precise Mortgages – Precise mortgages strives to provide first class service to all of its customers, they provide second charge loans that are available through a nationwide intermediary base. Precise of second charge loans for both residential and buy to let purposes.

Prestige Finance – Prestige Finance is the longest established second charge lender in the UK. They specialise in providing competitive second charge loans Similar to the majority of second charge lenders, Prestige Finance deals exclusively with the intermediary sector.

Together – Together provide secured loans for a wide variety of commercial and personal reasons. They consider many different types of second charge loans whether its low value or unusual construction. Apply for Together’s financial products through an approved intermediary.

Our Services

We can compare leading second charge mortgage rates from all of the above lenders and many more, to help you get the second charge loan that’s right for you. Along with finding the best deal for you, our expert second charge mortgage advisory team offer assistance and guidance every step of the way throughout and beyond the application process. If you’re interested in securing a second charge mortgage, why not call us today for a free initial consultation on 0117 313 7780, or fill in our contact request form for a call back.
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