
Second charge mortgages explained
A second charge mortgage lets you borrow against your home without changing your existing mortgage. Here’s how it works, and when it’s worth considering.
Are you a property professional?Get qualified leads from motivated homeowners.
Get started
A second charge mortgage lets you borrow against your home without changing your existing mortgage. Here’s how it works, and when it’s worth considering.

Moving home takes longer than most people expect. This guide breaks down each stage, how long it usually takes, and what slows things down.

Types of UK mortgages explained with clear examples — fixed, tracker, discount, offset, interest-only, shared ownership and family-assisted options.

Mortgage broker fees explained: what they charge, why, and when you should pay them. Learn what’s normal, what’s fair, and how to avoid surprises.

A clear, practical glossary of the mortgage terms that actually matter, from LTV and SVR to completion, equity and remortgaging, explained in plain English.

The documents you need for a UK mortgage, when to prepare them, and how to avoid delays. A clear checklist for ID, income, bank statements and deposit evidence.

Understand how mortgage affordability works, why lenders differ, and the steps that can help you borrow more safely.

Practical, proven ways to build a mortgage deposit faster: from LISAs to debt reduction, income boosts, and saving strategies that actually work.

Mortgage offers usually last 3–6 months. Here’s what can delay things, what happens if rates change, and how to avoid your offer expiring.