01789201914 enquiries@capc.uk.com

Second Charge

Looking for a Second Charge Mortgage?

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What Is A Second Charge?

Second charge mortgages are often referred to as second mortgages because they have secondary priority behind your main (or first charge) mortgage.


Second charge mortgages are an option for people who have struggled to get an unsecured loan, perhaps they are self-employed or their credit rating has reduced. They can also be for people who would prefer not to remortgage due to high interest rates.

However, second charge mortgages are not without their risks. Being unable to make the repayments could result in your property being repossessed. As such, it’s imperative you seek professional advice from an expert broker who is familiar in these types of loans and can give you the full facts and clear expectations.

How can we help?

We have assisted a large number of clients with second charge mortgages and are extremely experienced in placing such cases. Honesty is key in these transactions and we offer transparent guidance with a commitment to protecting our clients’ interests – there’s potentially a lot at stake.

Our expert brokers have a wealth of knowledge, enabling them to advise clients on whether a second charge mortgage is correct for their situation. We can guide you in terms of the risks involved and ensure it absolutely is the best option for you.

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Doing a good job is important to us, so we’re always delighted to receive positive feedback from our customers.

Here’s what some of them have been saying about us recently.


Mrs T

“I have been referred to Chris my a professional network and I am extremely glad I have! They have assisted me in getting the best mortgage and I couldn’t be happier with their services and professionalism. I would highly recommend the entire team to anyone wishing to seek advice in this area!”


Mr B

“From Start to Finish all the team at CAPC were helpful and delivered a very professional service, with regular updates on the status of our application and good advice on the options which were available, a great service which I would recommend Thanks Again.”


Mr C

“CAPC were excellent in sorting my Mortgage in tight timescales. The team managed the process from start to finish and provided confidence that they could develop a great solution. They sourced a cheaper and better product with the added benefit of an offset. I would recommend their services to others.”

Contact our expert advisers now

Call free from landline or mobile


Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Christopher Allen Private Clients Limited. Registered Office: 3 The Courtyard, Timothy’s Bridge Road, Stratford-upon-Avon, Warwickshire CV37 9NP. Registered in England Number: 08820469

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