second mortgage

Have a fair chunk of equity in your property? A second charge mortgage could be an ideal way to borrow a large amount of money to make home improvements, build an extension or fund other major purchases you feel will benefit you and your loved ones. We’re here to help you explore your second mortgage options… 

get started

To find the best second charge mortgage, simply apply online today. You just have to answer a few questions on our form and submit the info to us, so we can start finding the right second mortgage for you.

We will refer you to a 3rd party for these services.

apply for a second
mortgage online

second mortgage
application quick guide

gather your documents

Make sure you can get all your personal and financial paperwork together beforehand – it will be key for your mortgage application.

choose your mortgage

There are many options out there for home buyers looking for a fitting second mortgage. We’ll sit down with you to advise on the one that will suit you and your family’s needs.

consider the cost

Based on your incomings and outgoings, we can help you calculate what you can spare each month towards mortgage repayments.

hitting all the right notes…

Seeing a family settle into a new home with a mortgage that suits them and insurance that secures them. It’s what makes The Mortgage Mum team tick.

most common faqs

How much can I borrow for my second mortgage?

It’s the big question! It’s the main reason you come to us and the main reason we can help you. The amount you can borrow will depend on various factors, but if you contact us with some info, we’ll find the best to free up the funds you need.

How much will my second mortgage cost per month?

This will of course depend on the sum borrowed and repayment term, but by discussing your borrowing requirements with one of The Mortgage Mum’s advisers, you can ensure that you secure a practical package with an achievable repayment scheme.

What is the difference between a second charge mortgage and a remortgage?

A secured loan (also known as a homeowner loan) is a loan secured against your property. Secured loans may be ideal if you want to borrow a large amount of money. They are usually used to consolidate existing credit, to make home improvements, or to fund major purchases. A mortgage is a first charge against your property. We recommend secured loans in a variety of circumstances such as when the client already has a mortgage with a favourable rate, or where there would be a substantial penalty to remortgage.

How do I work out my net income?

If you are employed, you can find this info in the bottom right hand side of your payslip, or if you know your annual gross salary, there are various websites that can calculate your monthly net earnings. If you are self-employed, or require any further advice, please don’t hesitate to contact one of our advisers.

How do I work out my outgoings?

If you click the link here, you can download our Budget Planner which provides a handy guide to calculating your monthly outgoings.

your question not answered here? view all faqs

so, let’s get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…