Advisers matching your second mortgage loan search
You selected second mortgage loans. The advisers shown below may be able to help if you are looking to borrow against a property that already has an existing mortgage secured on it.
A second mortgage, also known as a second charge mortgage, can be used for many purposes, including home improvements, debt consolidation, business needs or raising funds without changing your current first mortgage. Suitability depends on your equity, income, credit profile, existing mortgage and overall affordability.
Review the adviser profiles below to compare location, experience, languages and contact options before choosing who to speak with.
Want to refine your search? Return to Find a Mortgage Adviser.
Why these advisers may be relevant
Second mortgage loans can be useful when you want to raise funds while keeping your existing mortgage in place. This may be considered if your current mortgage deal is competitive, has early repayment charges, or does not allow further borrowing on suitable terms.
The advisers shown on this page may be able to discuss second charge mortgage options, affordability, equity requirements, lender criteria and whether this route may suit your circumstances.
If you are looking to replace your current mortgage rather than add a second loan, you may want to search for Remortgage Advisers instead.
What to check before choosing an adviser
Before contacting an adviser, consider whether they can help with:
- Second charge mortgages
- Raising funds against an existing property
- Debt consolidation, where appropriate
- Home improvement borrowing
- Borrowing without changing your current mortgage
- Affordability and equity requirements
- Your preferred location, language or contact method
A suitable adviser should explain the process clearly, outline possible risks, and confirm any fees before you decide whether to proceed.
FAQ: Second Mortgage Loan Advisers
| Question | Answer |
|---|---|
| What is a second mortgage loan? | A second mortgage loan is a separate loan secured against a property that already has an existing mortgage. It is also commonly known as a second charge mortgage. |
| Why have these advisers been shown? | These advisers have been matched to the second mortgage loan option selected during your search on Connect Experts. |
| Is a second mortgage the same as remortgaging? | No. A remortgage usually replaces your existing mortgage. A second mortgage normally sits behind your current mortgage as an additional secured loan. |
| Can a second mortgage be used for debt consolidation? | It may be possible, but debt consolidation is not suitable for everyone. Spreading unsecured debts over a longer term may increase the total amount repaid. You should speak with a qualified adviser before deciding. |
| Can Connect Experts advise me directly? | No. Connect Experts helps you find and compare advisers. Mortgage advice is provided by the adviser or firm you choose. |
| Can I change my search? | Yes. You can return to Find a Mortgage Adviser and choose a different mortgage type, location, language or contact preference. |