Second Mortgages
Private second-position financing secured by the equity in residential or commercial property, behind an existing first mortgage.
Common uses
- Accessing equity without breaking a first mortgage
- Debt consolidation or paying out arrears
- Funding a business need or purchase
- Short-term needs with a clear refinance or sale exit
For a second mortgage, the key questions are the combined loan-to-value, the condition of the first mortgage and how the loan will be repaid.
Loan amounts, rates, fees, terms and loan-to-value limits vary by deal and are set out only in written agreements. Nothing on this page is a loan offer or commitment.
What to send us
Amount needed, purpose, security offered, exit or repayment plan, timeline, and supporting documents (appraisals, statements, financials).
A complete package is the fastest route: we aim for decisions in days, not months, and funds can move quickly once terms are agreed.
Submit a request