When a further advance or re-mortgage with capital raising isn’t possible with your high street lender, a second charge product may be the best solution. Available for any legal purpose, a second charge is most commonly used for home improvements and debt consolidation.
On residential or buy to let properties, a second charge can even be taken out day one of your first charge mortgage. For example, if you have maxed out your funds on your deposit and the many fees associated with a purchase, you can raise a second charge for up to 100% of the property value.
How We Help You
Our clients benefit from our customer-focused and personalised approach, giving them peace of mind and as much involvement in the project as desired.
By understanding your true requirements and matching you with the most suitable lenders, we will match you with the best financial solution in an efficient and timely manner.
Qualified commercial and residential advisers
Specialists in property finance
Passionate and experienced team
Access to whole of market
Fast decision making
Monday to Friday 09:00 - 17:00
Saturday & Sunday Closed
We are members of the
Ramsay & White Ltd. Number 814110 - is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421.
Your home may be repossessed if you do not keep up repayments on your mortgage. Ramsay & White Ltd is registered in England and Wales. Company number: 11127743. Registered office 13-14 Neptune Court, Vanguard Way, Cardiff, UK, CF24 5PJ.
A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £499.