Need to raise funds without replacing your current mortgage?
Use our Second Charge Mortgage Adviser Search to find an adviser who can help you understand your options. You can search by location, language and adviser preference, then choose who you want to contact.
A second charge mortgage is a separate loan secured against a property that already has a mortgage. It may help homeowners borrow against available equity while keeping their existing mortgage in place.
This page is designed to help you find an adviser with experience in second charge mortgages. It is not a mortgage application and it does not provide mortgage advice. Advice is provided by the adviser or firm you choose.
Connect Experts is a UK mortgage adviser directory and matching platform. We do not provide mortgage advice directly. Advice is provided by the adviser or firm you choose.
Your home may be repossessed if you do not keep up repayments on your mortgage or any loan secured on it.
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Why Connect?
What Is a Second Charge Mortgage?
A second charge mortgage, sometimes called a secured loan or second mortgage, is borrowing secured against a property that already has a mortgage.
Your current mortgage usually stays in place. The second charge mortgage runs alongside it as a separate loan, with its own payment, term and rate.
Homeowners may consider a second charge mortgage when they want to raise funds but do not want to remortgage. This may be because they want to keep their current mortgage rate, avoid early repayment charges, or borrow more than their existing lender will allow.
For a fuller explanation, read our second charge mortgage guide.
Why Use This Adviser Search?
Second charge mortgages can involve detailed checks around income, affordability, credit history, property value, existing mortgage balance and loan purpose.
An adviser can help you understand:
- Whether a second charge mortgage may be suitable
- How it compares with remortgaging
- How much equity you may have available
- What lenders may assess
- What documents may be needed
- The risks of borrowing against your home
- The possible costs, fees and monthly payments
How Connect Experts Helps
Connect Experts helps you search for mortgage advisers across the UK.
You can use this page to find advisers who may be able to help with second charge mortgage enquiries, then refine your search by practical preferences.
You stay in control of who you contact. You can review adviser profiles, compare your options and choose the adviser who feels most suitable for your needs.
Connect Experts is a mortgage adviser directory and matching platform. We do not provide mortgage advice directly. Advice is provided by the adviser or firm you choose.
Why Do We Offer Our Clients Gender Options?
We always provide our services without discrimination. However, we understand and respect that in certain situations, a client may have a valid reason for preferring a mortgage adviser of a specific gender. We aim to accommodate these preferences when possible:
Cultural or Religious Reasons: Some clients have cultural or religious beliefs that limit their interactions with individuals of a certain gender.
Personal Comfort and Trust: Discussing personal finances and private information can be sensitive. A client might be more comfortable or find it easier to trust an adviser of a certain gender, possibly due to past experiences or personal comfort levels.
Language and Communication Styles: Effective communication is key in financial advising. Some clients may feel that an adviser of a particular gender better understands their communication style or needs.
Gender-Specific Experience or Expertise: Occasionally, a client may seek an adviser of a specific gender due to the adviser’s experience or expertise in handling issues particularly relevant to that gender. For example, a female client may prefer a female adviser experienced in managing mortgage issues affecting women, such as the implications of maternity leave on mortgage applications.
