Second-Charge Mortgages

A second charge mortgage lets you borrow against the equity in your home without changing your existing mortgage. It sits alongside (not instead of) your current deal, with its own rate, term and monthly payment.

For many people it can be a smart way to raise funds without paying early repayment charges (ERCs) or disturbing a great fixed rate.

Whole-of-market advice with access to specialist options when needed.

When might a second charge make sense?

Home improvements or extensions where you want to keep your main mortgage untouched
Debt consolidation into a single, structured repayment (done carefully and transparently)
Avoiding ERCs on your current fixed-rate mortgage
Raising a deposit for another property or investment
Where remortgaging isn’t ideal (credit changes, complex income, or current lender limits)

How we help

At CA Mortgages, we start with your goals, budget and timeframes, then compare all viable routes:

Remortgage (switch your whole mortgage)
Further advance (additional borrowing from your current lender)
Second charge mortgage (a separate secured loan alongside your current deal)

As whole-of-market advisers, we look widely across lenders and—where appropriate—place cases with specialist second charge providers from our trusted network. You get clear advice, sensible structuring and help with paperwork from start to finish.

See what our clients think

T H

23:08 22 Jan 26

Craig Adams was honestly brilliant from start to finish. I was really worried at the beginning and genuinely didn’t think I’d be able to get a mortgage, but Craig worked his magic and managed to get me one that I didn’t think was possible. He was always there whenever we needed him, no matter how small the question was, and took the time to explain everything properly so we actually understood what was going on. He made the whole process feel so much less stressful and was really easy to talk to throughout. We’re genuinely so grateful for all his help and wouldn’t hesitate to recommend him to anyone looking for a mortgage adviser.

Jodi H.

18:30 21 Jan 26

We have experienced second to none professionalism and an abundance of additional support and guidance throughout our are first mortgage experience with Craig.
All our queries and concerns have been approached and answered promptly and our minds put at rest in what is considered to be a daunting and stressful event.
We wish to thank Craig profusely and with sincerity for the extra Mile he has gone to allow us to achieve our dream.
We cannot express our gratitude enough for all your assistance Craig in engaging us in all aspects of the procedure and providing us with your invaluable knowledge.

Our very kindest of regards

Jodi and Daniel Harris

Philip D.

11:08 19 Jan 26

I’ve known Craig for years now and he’s always given great advice. Most recently, he helped us buy our first home.
He is easy to contact, quick to respond, personable & genuinely focused on getting the best outcome for you. Highly recommend to anyone looking for mortgage advice.

Paige M.

16:04 16 Jan 26

Craig Adams was amazing from start to finish. He made the whole mortgage process so much easier and less stressful, explaining everything clearly and always being on hand when we had questions.
He kept us updated the whole way through and worked hard to get us a great deal. Nothing ever felt like too much trouble and you could tell he genuinely wanted to help.
We’d 100% recommend Craig to anyone looking for a mortgage advisor. Thanks so much for all your help!

L H

13:24 18 Dec 25

As first time buyers we had an excellent experience with Craig. He was helpful, professional, and knowledgeable throughout the entire process. Communication was clear and consistent from start to finish, he kept us well informed at every stage and was always quick to respond to any questions or concerns. We felt fully supported and confident thanks to his guidance and we wouldn’t hesitate to recommend him to anyone looking for a reliable and trustworthy mortgage advisor. Thank you! 👍

Ellie C.

08:05 08 Dec 25

We honestly can’t recommend Craig highly enough. From start to finish he went above and beyond to help us secure the best possible mortgage. His knowledge, patience, and attention to detail made the whole process so much easier for us.

Craig is genuinely invested in helping his clients he’s reliable, efficient, and incredibly proactive. He kept us fully informed at every stage and explained everything clearly, which really took the stress out of the process. He consistently went the extra mile to find the best deal for us and made us feel supported throughout.

If you’re looking for someone trustworthy, dedicated, and truly exceptional at what they do, Craig is the person you want on your side.

Adam L.

13:09 18 Nov 25

As a first-time buyer Craig really helped and guided me through the entire process making everything so much easier. His experience and candid advice was exactly what I wanted. Craig took time to explain my mortgage, home insurance, and mortgage protection options and look for the best products for me. I really appreciate his professionalism and dedication. Can't recommend Craig highly enough!

anita M.

22:43 15 Nov 25

I’ve had a really positive experience with Craig . He’s been patient, professional, and explained everything in a way that made the whole process feel much less stressful. I also appreciated the personal touch, he genuinely was empathetic about my situation which was quite unique .

Nothing was too much trouble, and his calm approach made a big difference. I’d happily recommend him to anyone looking for a supportive and knowledgeable mortgage advisor.

Keith S.

13:25 07 Nov 25

As a first time buyer we could not recommend Craig enough. He helped explain and guide us through the process from start to finish, always having our best interests at heart. We came up against a very uncommon and peculiar issue, but testament to Craig’s professionalism and knowledge he solved the problem within 24 hrs and had us back on track. Top professional and great guy! 5/5.

Neil D.

06:02 28 Oct 25

Craig recently provided us with his services when we needed to remortgage, in the past we have used numerous mortgage advisors but I can honestly say that Craig is by far the best, his knowledge is second to none but more pleasing is the service he provides, constantly in contact throughout the process from day one, I really felt like Craig had a genuine interest in what he was doing for us, his customer service skills are outstanding. We will be using Craig again that’s for sure. 10 out of 10.

Suzanne

07:40 30 Sep 25

Craig was a great help advising me through the mortgage process. I applied for buy to let mortgage, which is new area for me, Craig helped me navigate through and was always on hand to answer any questions. Craig was recommended by a good friend, which is always a good sign and in turn I would also definitely recommend to others.

Paul H.

16:05 15 Sep 25

First class service from Craig!!
Nothing was too much bother for him. Responsive, patient and went the extra mile to ensure he secured the best deal for me. Would definitely use Craig again and would highly recommend him.

Katie R.

12:11 04 Aug 25

As first time buyers, myself and my boyfriend did not know where to start. Craig was so helpful and guided us through the process. Any questions we had, were answered so quickly, putting our minds to rest. We couldn’t thank Craig more for all his help.

Craig Y.

00:41 02 Aug 25

I’ve been using Craig Adam’s services over the course of 2025 and I am thoroughly satisfied and pleased with everything. His care, attention to detail and wealth of knowledge has made the process of remortgaging as easy as can be. He is dependable and readily available to answer any questions - big or small. Highly recommended.

Helen R.

19:29 08 Jul 25

Craig was very knowledgeable and helpful regarding our remortgage and life insurance renewal. Always kept us updated with the application process, thank you.

albie W.

06:37 03 Jul 25

Fabulous service. Understanding and knowledable about difficult situation and sourced a good deal for us. Will definitely use this service again. Thank you.

Alby

09:44 02 Jul 25

⭐️⭐️⭐️⭐️⭐️EXCEPTIONAL SERVICE.

I can’t thank my mortgage advisor Craig Adams enough for the outstanding support he provided in securing a mortgage for me and my family. From start to finish, he went above and beyond every step of the way.

He was incredibly knowledgeable, guiding us through the process with clarity and confidence. What really stood out was how empathetic he was to our personal situation, he genuinely listened, understood our needs, and worked tirelessly to find the right solution for us.

It was clear throughout that he truly cares about his customers. He kept us informed, explained every option in detail, and made what could have been a very stressful experience feel manageable and even positive.
Would even now call him a dear friend of the family.

If you’re looking for someone who is professional, compassionate, and absolutely committed to helping you achieve your goals, I highly recommend his services.

Matt W.

09:18 02 Jul 25

Craig made the whole mortgage process so simple and stress-free. He explained everything clearly, was always quick to respond, and really went the extra mile to help. Highly recommend!

Joe S.

08:09 25 Jun 25

I can’t thank Craig enough for his help in getting us into our first home! As first-time buyers, the whole process felt a bit overwhelming at first, but Craig has reassured us every step of the way and always made us feel comfortable asking any questions we had about both our mortgage and insurance.

Thanks to Craig’s continued support, we’re now settling into our new home and I’d highly recommend Craig to anyone buying their first home!

Tom S.

17:32 22 Apr 25

Craig has been excellent in the process of us getting our first house. He was there to listen to our concerns and talk us through every step of the way and put our minds at rest. We couldn't have done it without him.
You can tell he wants the very best for his clients and goes above and beyond. We highly recommend Craig and can't thank him enough for everything he's done for us.

Costs, risks and key considerations

Interest rates & fees: Second charges can carry different rates to standard mortgages and may include arrangement, valuation and legal fees. We’ll outline the true cost over time.
Security: Your home is used as security. If repayments aren’t maintained, your property may be at risk.
Debt consolidation: Rolling unsecured debts into a secured loan can reduce monthly outgoings but may increase total cost over a longer term. We’ll model both outcomes before you decide.
Early repayment: Many products allow overpayments or early settlement, sometimes with charges—we’ll confirm the fine print.

What lenders look at

Equity and loan-to-value (LTV)
Affordability (income, outgoings, dependants)
Credit profile (including recent changes)
Purpose of funds (e.g. improvements, consolidation)

Documents you’ll usually need

Photo ID and proof of address
Mortgage statement for your current loan
Payslips and bank statements (usually last 3 months) or SA302s/accounts if self-employed
Details of existing credit and, if consolidating, settlement figures
Property details (some cases require a valuation)

The process at a glance

Initial chat – goals, budget and timelines
Options & comparison – remortgage vs further advance vs second charge
Recommendation – clear costs, risks and rationale
Application – documents, affordability and underwriting
Valuation & offer – we keep things moving and updated
Completion – funds released; we agree a review point if circumstances change

Why choose CA Mortgages?

Whole-of-market advice with access to specialist options when needed
Straightforward guidance in plain English—no jargon, no pushy sales
Clear comparisons so you can see the best route for your circumstances
End-to-end support from enquiry to completion (and proactive reviews later)

Find out how much you could borrow

Find out how much you could borrow and whether a second charge is the right route for you. We’ll compare all options and give you clear, tailored advice.

Contact CA Mortgages today to get started.