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Corporate Building

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When a remortgage or an unsecured loan simply doesn't meet your client's needs - could a Second Charge mortgage be appropriate?


You already know under MCOB rules, even if you don’t have Second Charge permissions, you must as an absolute minimum – tell clients that the option exists and that it may be better for them. 


So, when can you spot scenarios for Second Charge mortgages and for which clients?

Common situations:

  • Debt consolidation
  • Home improvements
  • Second property deposits
  • Business injection

Typical clients:

  • Both prime and subprime
  • Self-employed
  • 'Stuck' in their first charge
  • Need to avoid paying an ERC, or forfeiting low-interest rates on an existing mortgage


Think they’re difficult to place? Here’s our advice on overcoming the 6 major challenges with placing Second Charge mortgages.

With rates from 3.65%, LTV up to 95% and lending criteria up to £2m – Second Charges can be used for various reasons and clients.


Why choose Aria?

Over 20 years of experience

Our expert team have over 20 years of experience in bridging finance and the specialist distribution industry and works on your behalf to provide access to market-leading rates with rapid loan completion as standard.

  • We handle every element of your enquiry from application to completion to take the stress out of the mortgage process.
  • With one quick and easy call or online application, we can review your client's needs and work with a panel of lenders to tailor a finance solution perfect for their needs.
Send your enquiry: Speak to an Expert