Second-charge lending
Secured Loans
Use your property’s equity to borrow at typically lower rates than unsecured finance. Popular for home improvements, debt consolidation, handling a tax bill, or investing in your business.
Risk warning: Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Repayment preview
Illustration only. Your actual rate & costs depend on circumstances. Use the full calculator for accuracy.
Who this suits
- • Young professionals (20s–30s): tidy up higher-interest debts or refresh your space without disturbing a great first-mortgage rate.
- • Growing families (30s–40s): extend, convert a loft, or create a home office with predictable payments.
- • Landlords & limited companies: raise capital without remortgaging the first charge.
- • Self-employed: options exist with flexible income assessment.
Eligibility checker (quick)
Likely match score
You Advise
- 1You complete the fact-find with your client
- 2We provide an ESIS/illustration
- 3You advise and recommend
- 4We package and submit
- 5You keep the relationship
We Advise
- 1You refer the customer to us
- 2We complete the fact-find & research
- 3We advise and recommend
- 4We provide the ESIS/illustration
- 5We liaise with the client throughout
ESIS must be provided before application, following FCA MCOB rules.
Representative Example
Borrowing £10,000 over 5 years at a fixed rate of 5.99% p.a. with a representative APR 5.99%, the monthly repayment would be £193.28. Total repayable £11,596.89. (Illustrative example.)
When a promotion shows a rate or cost, FCA CONC requires a representative example/APR shown with equal prominence and truly representative.
It’s a loan secured against the equity in your property, sitting alongside your main mortgage.
No—second charges leave your first mortgage in place, subject to eligibility and affordability.
Yes, if repayments aren’t maintained—seek help early if you’re struggling.