Specialist Mortgage Brokers You Can Trust
Our panel of carefully selected Specialist Mortgage Brokers provides a whole-of-market service, helping you find the right second charge mortgage. Some lenders offer exclusive deals available only through SynergiseUK.
What is a Second Charge Mortgage?
A Second Charge Mortgage is a secured loan that uses the equity in your home as collateral. The loan is based on the difference between the property value and the amount owed on your first mortgage.
You can use our Mortgage Calculator to get an estimate of your potential repayments.
Key points:
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Secured against your property – reduces risk for the lender.
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Access equity – borrow against the value in your home.
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Flexible solutions – tailored to personal or business needs.
Why Choose SynergiseUK for Second Charge Mortgages?
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Access to competitive mortgage rates across the market.
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Expert guidance for homeowners and property investors.
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Personalised support throughout the application process.
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Exclusive mortgage deals only available via our panel.
Access the Equity in Your Home with Confidence
Our panel of Specialist Mortgage Brokers will help you secure a second charge mortgage with competitive rates tailored to your needs.
Frequently asked Q&A's
It’s a secured loan using the equity in your home, based on the difference between the property value and your first mortgage.
Homeowners needing to access capital for renovations, debt consolidation, or other personal or business purposes.
Typically, yes, since it’s a secondary loan and carries additional risk for the lender.
The lender can take charge of your property, as it is used as security for the loan.
Click on the link above to find the best second charge mortgage for your situation.
A mortgage is a long-term financial commitment and is not suitable for everyone.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Interest rates may be fixed or variable. If you take a variable or tracker mortgage, your repayments could increase if interest rates rise. Changes to your personal circumstances — such as loss of income, illness, or increased living costs — could also affect your ability to meet repayments.
Mortgages often involve additional costs, including arrangement fees, legal fees, valuation fees, early repayment charges, and other lender or adviser fees. Extending the mortgage term may reduce monthly payments but can result in paying more interest overall and remaining in debt for longer.
You should carefully consider affordability now and in the future and seek professional advice before proceeding.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
No. SynergiseUK does not provide mortgage advice or lending decisions.
We act solely as a referral platform, introducing potential customers to authorised mortgage advisers or lenders.
Any advice, affordability assessment, credit checks, and mortgage recommendations will be provided directly by the authorised provider, who is responsible for ensuring the product is suitable for your circumstances and compliant with Financial Conduct Authority regulations.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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