A second charge mortgage allows you to use any equity you have in your home as security against another loan.

It means you will have two mortgages on your home. Equity is the amount of your property owned outright by you, i.e. the value of the home minus any mortgage owed on it.

You can borrow money for virtually any legal purpose, typical purposes include home improvements, debt consolidation, or deposit for another property.

Some clients have acquired some adverse credit history since taking out their main mortgage and are unable to find a re-mortgage deal. Second charge lenders are generally more flexible than mainstream mortgage lenders so we may be able to help.

JB Mortgages are not authorised to give advice on secured loans. If this is something that may be beneficial to yourself, we can make a referral to a reputable firm who specialise in this area.


Let us see if we’re able to help you.

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Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home.