Second Charge Loan

  • Home Loans from £10,000 to £2,000,000
  • No up-front fees
  • Access to exclusive broker offers
  • Solutions found for poor credit history
  • Soft Search Technology

Second Charge Loan

  • Home Loans from £10,000 to £2,000,000
  • No up-front fees
  • Access to exclusive broker offers
  • Solutions found for poor credit history
  • Soft Search Technology

Second Charge Loan Advice?

Looking for second charge loan advice? As a homeowner, you can borrow from £10,000 to £2,000,000 depending on how much equity you have in your home. This allows you to take advantage of the more competitive interests available with this form of secured lending. As your loan is secured against your property lenders are less concerned about the purpose of the loan, you can borrow for almost any purpose.

We specialise in helping people get advice that is truly independent when looking for a second charge loan. The market is scoured to get you the best deal available. Our independent broker has access to homeowner loans that are not available to the general public, ensuring you get the best deal.

Fast Service, Best Rates, Expert Advice

What do you want when applying for a home loan? Speed, good rates, expert advice? These are the principal factors considered when sourcing your home loan. You will be helped by a team of professional CeMap qualified advisers who will look after you throughout the swift application process.

At GetMeMyMortgage.co.uk we understand the home loan market. We know the different types of products, the costs and which lenders have a flexible approach for people with poor credit histories. We look past the headline interest rates and understand what a secured loan can do for you, e.g. consolidate debts, make home improvements etc. We give you top quality advice delivered by fully qualified professionals.

What is a Homeowner Loan?

Homeowner loans are know by various different names:-

  • Secured Homeowner Loan
  • Second Charge Mortgage
  • Second Mortgage
  • Second Charge Loan
  • Second Home Loan
  • Home Loans

They all operate in the same way. The lender secures a loan against the equity you have in your home The amount you can borrow is restricted by the amount of equity you have in your home. The loans tend to run from three to twenty five years. Loans can be for almost any purpose as the lender has the security of a charge on your home.

Bad Credit Rating?

Having a bad credit history can cause all sorts of problems when comes to raising finance on your home. Fortunately, our professional advisors know the lenders that believe in giving people a fresh start. Call us now on 0345-2668842 or click the link for a callback.

Had bad credit in the past? You can still raise money against your home. Have you had CCJs, IVAs, Bankruptcy or defaults? you may still be able to get a homeowner loan for:-

  • Business purposes
  • Debt consolidation
  • Raising additional funds
  • A holiday
  • An Extension
  • In fact for almost anything

Why GetMeMyMortgage.co.uk?

  • Market leading rates
  • No need to re-mortgage and lose a current mortgage rate
  • Speedy Decisions
  • Flexible use of funds
  • Fast and easy – we search the market so you don’t have to
  • Designed to suit your needs and circumstances

Ideal for those looking for:

  • Home extension
  • Debt consolidation
  • Luxury kitchen or bathroom
  • Dream holiday
  • Tax bill
  • Family wedding
  • Business purposes
What is the difference between a home loan and a personal loan?

Home loans are secured on your property, this is the key difference. Home loans tend to be for higher sums typically £10,000-to £100,000 though they can go up to £500,000. The period of the loan is usually longer, up to 25 Years allowing lower monthly repayments. As the loan is secured lenders are more flexible about poor credit history and the purpose of the loan.

What can I use a home owner loan for?

You can use your loan for almost anything; home improvements, holidays, school fees, business ventures, debt consolidation.

What about my credit score?

Even if you have a poor credit score you can take out a home loan. Because you are using your property for security the lenders are more comfortable lending the money. Indeed a secured home loan can help improve your credit score as long as you keep up with the payments.

How much does it cost?

There is no upfront fee for our advice, we only charge if we manage to secure you a home loan. The fee is 10% of the loan amount, this can usually be added onto the loan.

Contact us now

With GetMeMyMortgage.co.uk you will be helped by a truly independent finance broker Smart Money winner of multiple consumer awards They will be working to get you the best deal.

Privacy Cookie Policy

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWINGS YOU SHOULD BE AWARE THAT THE NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS, THIS MEANS YOU MAY PAY MORE THAN IF YOU DID OVER A SHORTER PERIOD.

All loans are subject to affordability checks and valuation of your property. UK Customers only. Loans available to applicants 18 years and older and are secured on your property. Your initial mortgage consultation is always free of charge. There may be a fee for our mortgage advice and arrangement service if your loan completes, which will be discussed and agreed before you make an application. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide general information about various aspects of financial services that our partners provide. We hope they are helpful to you, but they do not on their own add up to recommendations, and we cannot take responsibility for anything you do in reliance on them without further discussion with an FCA regulated advisor. We are remunerated by our FCA authorised partners. We are remunerated only on completion of the loan. As an example, if you took out a loan for £45,000 and dependent on the broker fee agreed and the commission payable, we may receive £1400. GetMeMyMortgage.co.uk is an independent marketing website that acts as an introducer to FCA regulated companies. The guidance and or advice contained within this website is subject to the UK regulatory regime and therefore primarily targeted to customers in the UK. Any personal information that you give will be used and held in accordance with our privacy policy. We and our partners only use your personal information to contact you about your enquiry, to provide you with details and services about any enquiry you make to us. Copyright GetMeMyMortgage.co.uk All Rights Reserved ©2018