---
title: "Second Charge Mortgages: detailed guide"
description: "Detailed explanations and criteria for Second Charge Mortgages."
url: "https://mortgagelane.com/guides/insights-second-charge-mortgages-details"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Written by an adviser at Mortgage Lane"
category: "Mortgage guide"
reviewed: "2026-04-13"
reading_time: "1 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Second Charge Mortgages: detailed guide

Detailed explanations and criteria for Second Charge Mortgages.

We assist borrowers with second charge mortgage advice, for residential homeowners and buy to let landlords looking to withdraw equity.

[Second-charge mortgage](https://mortgagelane.com/definitions?term=second-charge-mortgage)

Residential

An additional loan secured against a property behind an existing first-charge mortgage.

[Read the full definition of Second-charge mortgage](https://mortgagelane.com/definitions?term=second-charge-mortgage)

Back to overview

[Second Charge Mortgages](https://mortgagelane.com/insights/second-charge-mortgages)

Related definitions

[Second-charge mortgage](https://mortgagelane.com/definitions#def-second-charge-mortgage)

## Residential second charge mortgages

A second charge mortgage is a regulated secured loan that sits behind an existing first mortgage, using the remaining equity in your property as security. It allows homeowners to raise additional capital without disturbing their current mortgage product, subject to affordability and lender approval.

[Read more about Residential second charge mortgages](https://mortgagelane.com/guides/second-charge-mortgages/residential-second-charge-mortgages)

## Buy to let second charge mortgages

A buy to let second charge mortgage is a secured loan taken against a rental property that already has an existing first charge buy to let mortgage. It allows landlords to raise additional capital without refinancing the primary mortgage, subject to rental stress testing, loan-to-value limits, and lender criteria.

[Read more about Buy to let second charge mortgages](https://mortgagelane.com/guides/second-charge-mortgages/buy-to-let-second-charge-mortgages)

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-04-13

Last reviewed: 2026-04-13

Source: https://mortgagelane.com/guides/insights-second-charge-mortgages-details