Access the equity in your home without disturbing your existing mortgage. Whether for home improvements, debt consolidation, or business funding, we find the right second charge solution for you.
Keep Your Rate
Don't disturb existing mortgage
Flexible Amounts
£10,000 to £500,000+
Fast Decisions
Quicker than remortgaging
FCA Regulated
Trusted & secure
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Book an AppointmentAccess your equity without the hassle of remortgaging
If you have a great mortgage rate or would face early repayment charges, a second charge lets you access equity while keeping your existing deal.
Second charge lenders often accept adverse credit, self-employed income, complex cases, and situations that high street banks decline.
Second charge applications are typically quicker to process than full remortgages, getting you access to funds when you need them most.
Home improvements, debt consolidation, business investment, property purchase, or any other legal purpose—lenders are flexible on how you use the funds.
A second charge mortgage (also known as a secured loan or second mortgage) allows you to borrow against the equity in your property while keeping your existing first mortgage in place. It sits "behind" your main mortgage and is secured against your home.
Second charge mortgages are an excellent alternative to remortgaging, particularly when you have a competitive rate on your current mortgage, would face substantial early repayment charges, or have circumstances that make remortgaging difficult.
Access equity from £10,000 to £500,000+ without disturbing your existing mortgage.
Common reasons to choose a second charge mortgage include: avoiding early repayment charges on your existing mortgage, protecting a good fixed-rate deal, accessing funds when remortgaging isn't suitable, consolidating debts into one manageable payment, funding home improvements to increase property value, or raising capital for business investment.
Second charge lenders typically have more flexible lending criteria than traditional mortgage providers. They often accept applicants with adverse credit history, self-employed or complex income, high loan-to-value requirements, or those who have been declined for remortgage elsewhere.
The Mortgage Hut works with the UK's leading second charge lenders to find competitive rates and terms that suit your specific situation. We compare the whole market to ensure a second charge is the right solution—and if remortgaging would actually be better for you, we'll tell you.
Our expert advisers handle the entire process, from initial consultation and application through to completion. We work quickly to secure the funds you need while ensuring you fully understand the product, costs, and implications.
Get in touch today for a free, no-obligation consultation about second charge mortgages.
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Founder
Managing Director
Operating Director
Head of Second Charge Lending
Mortgage Specialist
Mortgage & Protection
The Mortgage Hut was founded in 2011 by our Chairman and Founder Chris Schutrups, with a commitment to finding the right mortgage solution for every client—whether that's a traditional mortgage, remortgage, or second charge product.
Over the years, we have helped hundreds of homeowners unlock their property equity through second charge mortgages, providing access to funds when remortgaging simply wasn't the right option.
We understand that every situation is unique. Sometimes protecting a great mortgage rate is more important than securing the absolute lowest second charge rate. Sometimes speed matters more than cost. We take the time to understand your priorities.
Our team works with the UK's leading second charge lenders and will always compare whether a second charge or remortgage is better for your specific circumstances. We're not tied to any lender and will always recommend what's best for you.
Today, we work with thousands of customers per month and have access to over 100+ UK lenders across mortgages and second charge products, ensuring we find the perfect solution for your needs.
99% of our existing customers would recommend the team at The Mortgage Hut, that's something we're extremely proud of.
