Finspace Group

Unlock Home Equity, Achieve More with a Second-Charge Mortgage

Unlock your home’s potential with our second-charge mortgages that are tailored to your
specific needs. Apply now!

Second-Charge Mortgage

Expand your possibilities with our 2nd charge mortgages for all your needs and more.

Are you a homeowner in need of additional funds for a specific purpose? A second-charge mortgage could be the solution you’re looking for. A second charge mortgage, also known as asecond mortgage, allows you to access the equity in your property while keeping your existingmortgage intact. Whether you’re planning home improvements, consolidating debt, or funding a major expense, a second-charge mortgage can provide you with the financial flexibility you need.
Our team of experts specialises in securing second-charge mortgages for individuals with varying credit histories, including those with bad credit. With our direct lending approach, we cut out the middleman and work directly with you, the borrower, to find the best second charge mortgage options tailored to your specific circumstances. We understand that every homeowner’s circumstance is different, and we want to give you an open and straightforward loan experience.

Finspace FAQs

What is a second charge mortgage? +
A secured loan called a second charge mortgage, commonly referred to as a second mortgage,
enables homeowners to take out extra loans while maintaining their current mortgage. It is
called a "second charge" because it ranks behind the primary mortgage in terms of priority. This
means that if you default on the loan, the primary mortgage lender has the first claim to your
What is a second charge mortgage used for? +
There are numerous uses for the money collected through a second charge mortgage. This kind
of loan is frequently used by homeowners to make modifications to their homes, pay off debt,
pay for college costs, or launch a business. Because second charge mortgages are flexible, you
can use the equity in your home to meet a variety of financial needs.
What are the terms and conditions for applying for a second charge mortgage? +
You must already be a homeowner with a mortgage in order to qualify for a second charge
mortgage. To establish your eligibility and the terms of your loan, lenders will consider variables
such as your income, credit history, and the equity in your house. It's vital to keep in mind that
second charge mortgage interest rates could be higher than primary charge mortgage interest
rates, and the amount of the loan you can get depends on the equity in your home and the
requirements of the lender.

Our Process

Simply tell us a little about your business and we’ll be in touch to talk through
possible solutions tailored specifically to you


Decision in



& Funding

Simply us a little about your business and we’ll be in touch to talk through
possible solutions tailored specifically to you. 

Our clients say.

As a new start-up developer, with a clear focus on delivering high-quality, contemporary homes that support the drive to mitigate climate change we have been extremely well-supported by [Finspace], as we looked to navigate the wealth of finance options out there in the market.

By Newly Incorporated Developer

Despite all the complexities, (Finspace) were able to secure a lender to enable us to commence our project immediately.


The line of communication is always open regardless of the day, night, or weekend, valuing the client’s needs over and above everything else. We are looking to do another project (with Finspace) and we have no hesitation in commending them.





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