Flexible Second Charge Mortgages for UK Homeowners
Unlock equity in your property without replacing your primary mortgage, with tailored lending and competitive rates.
Access Specialist BTL Lenders
Over 120 UK lenders providing competitive limited company mortgage solutions
Mortgage-Tek connects landlords to lenders who specialise in limited company BTL mortgages. We secure competitive rates,
flexible terms, and expert guidance for property investment and portfolio growth.
Understanding Second Charge Mortgages
A mortgage secured alongside your existing loan
A second charge mortgage is a loan secured against your property in addition to your primary mortgage. It allows homeowners to access funds for home improvements, debt consolidation, or other financial goals, while keeping their main mortgage intact. Lenders assess income, property value, and credit history to provide tailored solutions.
Flexible Second Charge Options
Tailored solutions for different financial needs
Residential Second Charge Mortgages
Borrow against your residential property to access funds for home improvements, personal projects, or consolidating existing debt while keeping your first mortgage unchanged.
Buy-to-Let Second Charge Mortgages
Landlords can raise capital from rental properties without affecting their primary mortgage, with lenders assessing rental income and property value to determine borrowing limits.
Debt Consolidation Second Charge Mortgages
Combine multiple unsecured debts into a single, manageable repayment plan secured against your property, simplifying finances and potentially reducing overall monthly payments.
Business Purpose Second Charge Mortgages
Access funds for business investment, expansion, or cash flow needs, subject to lender assessment and FCA-compliant lending regulations.
Is a Second Charge Mortgage Right for You?
Ideal for homeowners looking to access property equity
Second charge mortgages are suitable for homeowners wanting to unlock equity, consolidate debts, fund personal projects, or invest in business without affecting their main mortgage.
- Homeowners seeking additional finance without remortgaging
- Individuals looking to consolidate multiple debts into a single repayment
- Landlords needing funds for investment purposes
- Business owners requiring capital for growth or cash flow
- Borrowers aiming for home improvements or personal projects
What Lenders Will Assess
Core factors for second charge mortgage approval
Income and Employment
Fixed repayment period with set exit strategy, ideal for clients with confirmed future finance or property sale date.
Credit History
 Flexible repayment structure without a fixed exit date, providing maximum flexibility for property investors and developers.
Deposit / Loan-to-Value
Finance for property renovation or development projects, allowing drawdowns in stages based on progress and valuation.
Property Eligibility
Designed for landlords needing rapid access to capital for property purchases, with repayments aligned to rental income or long-term finance plans.
How Much Can I Borrow Calculator
Borrowing based on property equity and lender criteria
The amount you can borrow depends on the property’s current value, outstanding mortgage balance, and lender’s maximum loan-to-value ratio. Mortgage-Tek helps assess your equity and determine realistic borrowing options.
Your Estimated Borrowing Amount
Expert Guidance for Second Charge Borrowers
Specialist advice for accessing property equity efficiently
Mortgage-Tek helps homeowners and landlords unlock property equity safely, providing tailored advice, lender access, and support throughout the application process to secure competitive rates.
Specialist Lender Access
We connect clients with lenders experienced in second charge mortgages, ensuring flexible lending solutions and competitive rates for residential or buy-to-let properties.
Tailored Advice
We provide personalised guidance based on your income, equity, and financial goals to help you select the right mortgage solution.
Flexible Loan Options
Residential, buy-to-let, debt consolidation, or business-purpose mortgages are structured to suit borrower needs and lender criteria.
Transparent Cost Guidance
We explain fees, interest rates, and repayment plans clearly, ensuring clients understand all financial implications of the second charge mortgage.
End-to-End Support
From initial enquiry to completion, we liaise with lenders, valuers, and solicitors to ensure a smooth, efficient process.
Regulated and Responsible Advice
All advice is FCA-compliant, providing ethical guidance to homeowners accessing additional finance against their property.
FAQs
Can I get a second charge mortgage with existing credit issues?
Yes, lenders assess your current financial situation and may approve depending on income, equity, and minor past credit problems.
Do I need a large deposit?
Deposits or equity requirements usually range from 10–60% of property value depending on the lender and your existing mortgage.
Can I consolidate multiple debts?
Yes, debt consolidation second charge mortgages allow multiple unsecured debts to be combined into a single, manageable monthly repayment.
Will it affect my first mortgage?
No, your primary mortgage remains unchanged; the second charge is a separate loan secured against your property.
How long does the application take?
Applications typically take 4–8 weeks, depending on lender assessments, property valuations, and documentation.
Can landlords access second charge mortgages on rental properties?
Yes, buy-to-let landlords can unlock property equity, with lenders assessing rental income and property value to determine eligibility.