Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
A second charge mortgage lets you raise capital against the equity in a property you already own, while your existing first charge mortgage stays exactly as it is. AB Mortgages arranges regulated second charges on residential homes; our sister firm AB Specialist Finance handles unregulated second charges on buy to let, commercial and investment property. Whichever applies to you, one broker structures it properly, from first call to drawdown.
A first charge lender that blocks second charges entirely, found out weeks in. We check the lender's stance before you apply.
A second charge stacked on the first that fails the lender's affordability test. We model the combined position up front.
A valuation that comes back light and leaves too little equity for the loan you need. We pressure-test the numbers before the survey.
We confirm your first lender's position before anything is submitted, so a flat refusal never derails the case.
We assess both charges together from day one, so the case is built to pass, not to be declined at committee.
We work to a realistic valuation, not an optimistic one, so the loan you are offered is the loan you expected.
What it is worth, the equity in it, and whether you live in it or let it. This decides the route, the lender and the LTV.
Your current lender, your rate, and any early repayment charges. This is exactly why a second charge often beats a remortgage.
What the money is for and how quickly you need it. Purpose decides whether the loan is regulated, and which lenders will fund it.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
One broker who understands both regulatory regimes, so you are never passed around. Honest up front, including when a remortgage would serve you better.
remortgage replaces your existing mortgage with a new one. A second charge sits behind it as a separate, additional loan, leaving your original mortgage exactly as it is.
Usually, yes. Most first charge lenders give consent as a matter of course. A few specialist lenders block second charges entirely, and we know which before you apply.
Typically, yes, because the second charge lender ranks behind the first. But when the alternative is breaking a low fixed rate with heavy early repayment charges, a second charge often works out cheaper overall. We model both.
Yes. Several specialist lenders work with recent CCJs, defaults and missed payments. Rates are higher, but the lending exists.
Two to four weeks is typical for a clean residential case. Well-presented specialist cases can complete in ten to fourteen working days.
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