Mortgage guide
Second Charge Mortgages: detailed guide
We assist borrowers with second charge mortgage advice, for residential homeowners and buy to let landlords looking to withdraw equity.
- Published
- 13 Apr 2026
- Last reviewed
- 13 Apr 2026
- Reading time
- 1 min
Residential second charge mortgages
A second charge mortgage is a regulated secured loan that sits behind an existing first mortgage, using the remaining equity in your property as security. It allows homeowners to raise additional capital without disturbing their current mortgage product, subject to affordability and lender approval.
Buy to let second charge mortgages
A buy to let second charge mortgage is a secured loan taken against a rental property that already has an existing first charge buy to let mortgage. It allows landlords to raise additional capital without refinancing the primary mortgage, subject to rental stress testing, loan-to-value limits, and lender criteria.
Talk it through with an adviser
Speak to a Mortgage Lane adviser about your circumstances and the next steps.