Second Charge Mortgages
Raise capital from £25k to £2m+ without affecting your existing mortgage. Keep your current rate while accessing your property equity.
Access your equity, keep your rate
A second charge mortgage sits behind your existing first mortgage, allowing you to borrow against the equity in your property without remortgaging. This is particularly valuable if you are locked into a competitive first mortgage rate, face significant early repayment charges, or simply want to leave your existing arrangement untouched.
At Doulton Bridging Finance, we work with specialist second charge lenders who offer competitive rates for loans from £25,000 to over £2 million. Whether you need funds for home improvements, debt consolidation, or any other purpose, we find the right second charge solution for your circumstances.
Second charge options for every need
Keep Your Existing Rate
If you are on a competitive first mortgage rate, a second charge lets you raise additional capital without disturbing it. No need to remortgage and lose your current deal.
Capital Raising
Raise funds against the equity in your property for any purpose - investments, business funding, property purchases, or personal use. From £25k to over £2m.
Home Improvements
Fund renovations, extensions, or improvements without remortgaging. The increased property value from the works may exceed the cost of the second charge.
Debt Consolidation
Consolidate higher-rate debts into a single, lower monthly payment secured against your property. We ensure consolidation genuinely improves your position.
Avoid Early Repayment Charges
If your first mortgage carries significant early repayment charges, a second charge avoids triggering them while still allowing you to access your property equity.
Flexible Amounts
Borrow from £25,000 to over £2 million as a second charge. We access the full range of second charge lenders to match the right product to your loan size.
How it works
Equity Assessment
We review your property value, existing mortgage balance, and the amount you need to raise to confirm a second charge is the right approach.
Lender Search
We search across specialist second charge lenders to find the most competitive rates and terms for your loan size and circumstances.
Application and Consent
We manage the application process, including obtaining consent from your first charge lender, which is a standard requirement for second charge lending.
Funds Released
Once approved and legal work is complete, funds are released. Second charge mortgages can often complete faster than a full remortgage.
Raise capital without remortgaging
Find out how much you can borrow as a second charge. Keep your existing mortgage rate and access your property equity.