What is the difference between a first charge and second charge mortgage? Here we explain each option and when to choose a first charge vs...
Want a commercial second charge? Otherwise known as a second charge business loan? Find out what they are, how to get one and how they...
A second charge mortgage can be suitable if you have a bad credit history. Learn everything you need to know about second charge mortgages and...
Can you get a second mortgage on the same house? Yes! Find out how here. We explain how getting a second mortgage on your house...
On this page we explain all about new build mortgages and how we can help. You can also work out how much you could borrow...
Learn whether you can get a mortgage with an IVA here. We explain how long you should wait to apply, how to improve your chances...
Learn about getting a mortgage with a criminal conviction here. We discuss how a criminal conviction can affect a mortgage, improving your credit score &...
Compare offset mortgage deals here. You’ll also find all sorts of information on what they are, who they’re useful for, the things you need to...
Learn how far back mortgage lenders look when assessing your credit history here. We go through what they consider, how poor credit affects applications and...
Here we explain what an expat mortgage is, the different kinds available and more. You can also work out how much you can borrow with...
Fill out the short form below and choose a time that suits you. It’s a no-commitment opportunity for our experts to help you.
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Please confirm that you have read and understood the following:
1. First Charge - I understand that a first charge mortgage could be a more cost-effective alternative to a second charge and have considered this before proceeding.
2. Existing Mortgage Product - I am currently tied into a mortgage product with an early repayment charge if I choose to leave this deal early and I have investigated the possibility of a further advance from my existing lender.
3. Product Suitability - I understand that second charge mortgages may not be suitable in all situations and that advice will be provided by our second charge partner “The Loan Partnership” to help determine if this is the right solution for me.
4. Data Sharing Consent - I agree that my name and contact information can be shared with a trusted partner firm – The Loan Partnership – to receive personalised advice on second charge options.
5. Understanding of Risk - I understand the risks associated with securing other debts against my home and my home may be repossessed if I do not keep up repayments on a mortgage or any debt secured against it. I am also aware that by consolidating existing borrowing that I may be extending the terms of the debt and increasing the total amount I repay.
*Please note that neither John Charcol Limited nor its Appointed Representatives are providing mortgage advice as part of this enquiry. Second charge mortgage advice will be provided by The Loan Partnership FCA ref 707809. If you need to investigate first charge mortgage options, please contact John Charcol via this contact form.
