Second Charge Mortgages — Borrow Against Your Home's Equity
A second charge mortgage lets you raise funds against your property without remortgaging. Compare quotes from specialist lenders, no credit check.
What do you need today?
Select an option to begin — no obligation, no credit check.
Why a second charge mortgage?
Keep your existing rate and raise cash for home improvements, debt consolidation or a large purchase — with a loan secured against your home.
Keep your existing rate
Avoid early repayment charges by leaving your first mortgage in place and borrowing separately.
Raise significant cash
Borrow larger amounts than with unsecured lending, based on your home's equity.
Consolidate debts
Potentially lower your monthly outgoings by consolidating higher-interest borrowing.
Home improvements
Fund renovations that could add value to your property.
Specialist lender access
Search across a wide variety of second charge lenders, including for complex cases.
FCA-regulated advisers
FCA-regulated mortgage advice via CMME, FRN 414798.
Three simple steps to your best mortgage
Tell us about your mortgage
Answer a few simple questions about your situation. No paperwork, no credit check.
You're paired with an expert mortgage adviser
Your mortgage adviser searches a wide variety of lenders — 90+ UK lenders — to find the best deal for your circumstances.
Get your tailored quotes
Your adviser contacts you with tailored quotes and expert guidance — no obligation.
Rated exceptional by UK homeowners
8,900+ verified Feefo reviews. Platinum Trusted Service Award winners. Real feedback from real CMME customers.
Read all reviews on Feefo
5/5 Service
Feefo Verified
“Fantastic 5-star service from CMME for my remortgage! They found me a much cheaper rate and made the whole process incredibly smooth.”
Sathya
Feefo Verified · Jul 2026
“Ben Goble was wonderful. He took time to understand our requirements and came up with an easy, well-priced solution, saving us a considerable sum on our existing deal.”
Richard Francis
Feefo Verified · Jul 2026
“Ben Goble was our mortgage advisor and the service received was excellent. He helped us look at a number of solutions that best met our requirements.”
Rich
Feefo Verified · Jul 2026
“Paige and the team at CMME were a pleasure to work with in my remortgage switch to NatWest. Thank you so much for all your hard work!”
Alfredo
Feefo Verified · Jul 2026
“Provided advice was really helpful for us, especially as we are first time buyers. Queries are answered and information provided really quickly and efficiently.”
Nikolett
Feefo Verified · Jun 2026
“I received excellent personalised service and was supported all through the process. Paige was particularly helpful in the way she explained everything.”
Damian
Feefo Verified · Jul 2026
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