Second charge mortgages — referral only.
Second charge lending is a specialist area we don’t advise on directly. We work with trusted specialists and can refer you to the right team.
A trusted referral for second charge lending
Please note: Smooth Financial Group does not provide advice on second charge lending. We refer you to trusted specialists who do.
A second charge lets you borrow against the equity in your home without touching your existing mortgage — useful when remortgaging isn’t the best move. Because these deals need a specialist eye, we introduce you to partners who focus on this market and manage the relationship from there.
- Borrow against your equity while keeping your current deal
- Useful where remortgaging would trigger high early repayment charges
- Options for the self-employed and changed circumstances
- We introduce you to a trusted specialist and stay in the loop
Your home may be repossessed if you do not keep up repayments on your mortgage. A mortgage is a loan secured against your home.
What’s included
Protect your first rate
Leave your main mortgage untouched if it’s a good deal.
Trusted specialist referral
We connect you with a firm focused on second charge lending.
Raise funds
For home improvements, consolidation or other major needs.
Flexible criteria
Specialists who consider a wider range of circumstances.
Common questions
How is a second charge different from a remortgage?
Is my home at risk?
Who is second charge lending suitable for?
Ready to make it smooth?
A no-obligation consultation, whole-of-market choice, and a team that stays with you long after completion.