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  • Kemp House, 152 – 160 City Road, London, EC1V 2NX<br>
  • Monday to Friday: 9am to 5pm

    Second Charge Mortgage

    Helping You To Raise Funds Without Remortgaging

    A second charge mortgage works just like a normal mortgage. It’s secured against your property and you will make monthly repayments until the full loan and interest is paid back. The beauty of this type of mortgage is that you can raise funds for any legal purpose without disturbing your current mortgage.

    For example, home improvements, debt consolidation or a deposit for a buy to let. Some lenders who have a first charge may request you seek their permission first.

    If you have been declined by your current mortgage lender for a remortgage or further advance due to bad credit then don’t despair. We work with lenders who offer competitively priced second charge mortgage products for borrowers with current and bad credit history. Rates and criteria are really competitive and our team can access every lender in the marketplace, so you can feel rest-assured that we will get you the best deal.

    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. We may charge a fee for our service up to 1%. Our typical fee is £250 payable on application, subject to status. The FCA do not regulate some forms of buy to let mortgages. SC Mortgage Consultants is a trading style of Sumy Begum Choudhury who is an Appointed Representative of Ingard Financial Ltd which is authorised and regulated by the Financial Conduct Authority No 450731. Office: Kemp House, 152 - 160 City Road, London, EC1V 2NX. "The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk." , "The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK."