Second Charge Loans

Our second charge loans are ideal for customers looking to raise capital against a property they already own.

Click here for further information on Residential Second Charge Loans

Click here for further information on Buy to Let Second Charge Loans

Key product features

  • Loans for any purpose including debt consolidation, buying another property or paying a tax bill.
  • 2, 3 and 5 year fixed rate products
  • First charge not affected

If you are directly authorised you can submit a case to us direct by sending a completed Decision form (pages 1-3 of the application) or by using one of our Master Brokers from our panel.

Click here for Residential Second Charge Loans submission routes

Click here for Buy to let Second Charge Loans submission routes

Second Charge Loans

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Support for the self-employed

Your self-employed customers are more likely to get the loan they require with our second charge loans range because we:

  • 1 year’s accounts or Tax Overview with either SA302 or HMRC Tax Calculation
  • Only need 1 year's trading period
  • Accept fixed term contracts

Click here to download our self-employed infographic for more information.

Second Charge Loan service update

We are currently working on:

  • applications that were submitted on 29 August
  • post, emails and faxes from 29 August

The Master Broker, you have chosen will talk to you about the valuation times expected for your case. Ask your broker to book early to avoid any delays.