Second Charge Mortgages

A second charge mortgage is a secured loan - it uses the borrower’s home as security. They are used to raise money, an alternative to remortgaging or a further advance with your existing lender.

Who are they for?

You must be a homeowner to get a second mortgage, although you do not necessarily need to live in the property.

How does it work?

A second charge mortgage allows you to use any equity you have in your home as security against a loan. The charge is ranked behind your main mortgage (which is held on a 'first charge' basis).

Should you have a need for a second charge mortgage you will be referred to a third party provider. Neither Lifetime Planning Ltd nor First Complete is responsible for any advice provided by a third party.

For more information on a second charge mortgage, freephone 0800 43 53 39 or fill in our online enquiry form and we will pass your details on.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED AGAINST IT.

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