Second charge bridging loans

A second charge bridging loan is a highly effective way to release property equity quickly without refinancing or disturbing an existing first-charge mortgage. As a whole-of-market broker, we arrange second charge bridging finance across a broad panel of specialist lenders, giving access to far more options than a single lender or direct provider. Whether the requirement is for an investment opportunity, a time-critical purchase, or short-term liquidity, we structure second charge bridging loans around speed, flexibility, and a clear exit strategy, rather than rigid affordability-led criteria.

Why use a second charge bridging loan?

Second charge bridging loans allow borrowers to raise capital behind an existing mortgage, using the available equity in the property. This approach is particularly suitable where:

• The existing first-charge mortgage is on a low or fixed rate
• Early repayment charges would make refinancing inefficient
• Refinancing the first charge would be too slow or impractical
• Capital is required quickly for a short-term purpose

Because second charge bridging is asset-led, it can often be completed significantly faster than a full refinance, making it well suited to time-sensitive transactions.

Whole-of-market access: standalone and cross-charge structures

We arrange both standalone second charge bridging loans and cross-charge bridging structures, selecting the approach that delivers the most efficient leverage.

Standalone second charge bridging loans are secured against a single property that already has a first-charge mortgage

Cross-charge bridging loans use multiple properties as security, increasing borrowing potential and reducing the need for large cash deposits

As a whole-of-market broker, we compare lenders offering residential, buy-to-let, and commercial second charge bridging, ensuring the structure aligns with both the asset and the wider strategy.

Flexible leverage and tailored terms

Second charge bridging loans can typically be arranged up to:

• 75% combined LTV on residential property
• 80% combined LTV on buy-to-let property
• Around 65% combined LTV on commercial property

We also work with lenders that allow rolled-up interest, meaning no monthly payments during the loan term, helping to preserve cash flow until the agreed exit.