Second Charge Mortgage Broker
Unlock Equity Without Disrupting Your Main Mortgage
A second charge mortgage allows you to borrow against the equity in your home while keeping your existing mortgage in place.
It’s a flexible solution for homeowners who want to raise funds without triggering early repayment charges or remortgaging entirely.
As a trusted second-charge mortgage broker, Financial Service Solutions helps you access competitive secured loans tailored to your needs, whether for home improvements, debt consolidation, or business investment.
With decades of experience, we guide you through the process with clarity and care, ensuring you make informed decisions that align with your financial goals.
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What Is a Second Charge Mortgage Broker?
A second-charge mortgage broker acts as your personal advisor, helping you secure a loan from a wide panel of lenders rather than going directly to one provider.
This approach gives you access to better rates, more flexible terms, and expert guidance throughout the process.
At Financial Service Solutions, our role as your second-charge mortgage broker is to simplify the journey, matching your needs with the right lender and managing the paperwork from start to finish.
How Do Second Charge Mortgages Work?
When you apply through a second-charge mortgage broker like us, we begin by assessing the equity in your property and reviewing your affordability.
We then compare and complete research from our whole-of-market lender panel, including both high-street and specialist providers.
Once the right product is identified, we help coordinate the legal process, liaise with solicitors, and ensure all documentation is handled efficiently.
Our team manages the entire process, so you can focus on your goals, not the admin.
Key Features of a Second Charge Mortgage
✅ Access to specialist high-street and niche lenders
✅ Keep your first charge mortgage intact, no need to remortgage
✅ Competitive interest rates on second charge products
✅ Flexible use: home improvements, debt consolidation, tax planning
✅ Expert support from a second charge mortgage broker who understands your needs
How Our Process Works
Consultation – We review your equity, income, and borrowing goals to determine suitability.
Market Comparison – As a whole-of-market second charge mortgage broker, we compare lenders to find the best fit.
Application & Support – We handle the paperwork, affordability checks, and liaise with solicitors and lenders.
Future Planning Advice – We offer ongoing guidance to help you manage your borrowing strategy long-term.
Here’s What Our Clients Say
Financial Service Solutions
4.7
33 Reviews
Professional, Friendly, Experts. Thank you so much!
Jabez and Nikki were amazing. As a first time buyer, they took all the stress of arranging a mortgage away, offering advice and options that I would only be able to get from a broker. Jabez has been proactive throughout the entire process, keeping me well informed and going above and beyond improving my mortgage deal as my house purchase progressed. Well worth the money, and would throughly recommend them for all your mortgage needs!
Excellent Advice & Service!
We had an excellent experience with Financial Service Solutions who helped secure a new deal on our mortgage for another 3 years. They are incredibly professional and friendly. We thoroughly recommend them to others in need of financial advice. Thank you Jazeb & Nikki!
Fantastic service
Both Jabez and Nikki have been extremely helpful throughout the process and have gone above and beyond to ensure our house purchase has gone through as smoothly as possible and were more than happy to do whatever it took to set my mind at ease as a first time buyer - much needed whilst trying to juggle work and a 2 year old. If you are looking for a less stressful house purchase I highly recommend them.
How We Help as a Second Charge Mortgage Broker
- Expertise in placing second-charge loans when first mortgage terms or lender restrictions apply
- Access to exclusive lender panels is not available to the public#
- Transparent fee structures and advice on how the loan may affect your primary mortgage
- Personalised support from a UK-based team that understands your financial landscape
Why Choose Us
Specialist Equity Expertise
Deep knowledge in second charge and secured lending solutions
Local & Trusted Service
UK-based advisors with insight into lender criteria and regulations
Transparent Advice & Fees
Clear, upfront brokerage fees—no hidden costs
Whole-of-Market Access
We offer exclusive deals only available through brokers
FAQs – Second Charge Mortgage Broker
What is a second charge mortgage and when would I need one?
A second charge mortgage is a secured loan on your property, ideal when you want to borrow without changing your existing mortgage.
Can a second charge mortgage broker help if my first mortgage has early repayment charges?
Yes—this is one of the main reasons clients use us. We help you borrow without disturbing your current mortgage terms.
What documents are required for a second charge mortgage application?
Typically, you’ll need proof of income, ID, property details, and your current mortgage statement.
Can I get a second charge loan if I have poor credit?
Yes, as a second charge mortgage broker, we work with lenders who consider applicants with adverse credit histories.
Are interest rates higher for second charge mortgages?
Rates can be slightly higher than first mortgages, but we compare the market to find you the most competitive deal.
How long does a second charge mortgage application take?
Most applications complete within 2–4 weeks, depending on complexity and legal processing.
Is my first mortgage provider informed when I take out a second charge mortgage?
Yes, your first lender is notified, but your existing mortgage terms remain unchanged.
What are typical uses for a second charge loan through a broker?
Common uses include home renovations, debt consolidation, school fees, or business investment.
How much equity do I need to qualify for a second charge loan?
You typically need at least 20–25% equity in your property, but this varies by lender.
How does Financial Service Solutions support second charge mortgage applicants throughout the process?
We guide you from consultation to completion—handling paperwork, comparing lenders, and offering tailored advice every step of the way.
Request a Mortgage Quote
Contact your Chelmsford second charge loan broker today
Chelmsford Office
Saxon House,
27 Duke Street,
Chelmsford, CM1 1HL
Contact us using your preferred method
Office: 0333 567 8960
Email: hello@financialservicesolutions.co.uk
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Disclaimer: Financial Service Solutions Ltd has never now or has ever been involved with any companies of a similar name. Financial Service Solutions Ltd is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421
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