A fixed rate loan has an interest rate that stays the same for a defined period. Your monthly loan repayments won’t change during this time, making it easier to budget. This is a good option if you want certainty and want to avoid interest rate increases.

With a variable rate loan, the interest rate can go up or down over time. Your monthly repayments could change depending on market conditions. A variable rate is flexible and can sometimes be lower than a fixed rate.

An interest only loan means you will only pay the interest on the amount borrowed each month. This keeps repayments lower, but the original loan amount remains until the end of the term, when you’ll need to repay the full balance. This is suitable for short-term needs or cash flow management.

Commercial bridging loans provide short-term funding for situations where speed and flexibility are key, such as auction purchases, refinancing delays or property refurbishments. They are designed to bridge a temporary funding gap and can be arranged quickly. This finance type is best used as a short-term solution with a clear exit strategy in place e.g. refinancing onto a term option.

A second charge loan lets you borrow against your property without remortgaging. This means your current mortgage stays in place, so you can avoid early repayment charges or losing a competitive rate.

With streamlined processes in place and an experienced team behind every case, we're able to make decisions quickly. Avoid unnecessary delays as your case progresses smoothly from enquiry to completion.

Whether you’re looking for lower monthly payments with an interest-only option, or a repayment loan that steadily reduces the balance over time, second charge loans can be tailored to suit your needs.

We work with lenders who will consider all property types. From residential to buy to let and commercial properties.

Whether you have a good credit score, or have been declined from mainstream lenders due to adverse credit.

Loans with no early repayment charges (ERCs) available, depending on your circumstances.

You will have a dedicated case manager supporting you every step of the way.

Lenders will look at how much equity you have in your property. This is the difference between your property’s value and the balance on your existing mortgage.

We work with lenders on our panel who will consider all property types, including residential, buy-to-let and commercial properties. The lender will also look at the condition of your property to ensure it provides suitable security for the loan.

Lenders need to be confident that you can afford the monthly repayments. They will review your income, regular outgoings and overall financial position to make sure the loan is maintainable.

Your credit profile will be reviewed, however don’t worry if you have adverse credit as it won’t always mean a decline. Many second charge lenders on our panel are flexible and will consider your individual circumstances.