Do I qualify?

How do I get a second mortgage?

  • You need to be a homeowner

    You can apply if you own your own home, and it’s worth at least £75,000.

  • You need to have equity in your property

    Your loan will be secured against your home or other property. So the property it is secured against has to be worth more than the balance on your mortgage.

  • You need to be employed or self-employed.

    You, or someone in your household, must have a regular income.

  • You need to be over the age of 18

    This is true of any second mortgage application.

Before you apply

We have made the Loan.co.uk application process as simple as possible, but it's even easier if you give a few things a little thought before you start.

Make sure you think about:

  • How much you want to borrow.
  • How long you want to borrow it for.
  • What you want the loan for.
  • The current value of your property.
  • How much you still owe on your mortgage.

Next, why not get a quote to see what your options are, it doesn’t affect your credit rating and only takes a couple of minutes. Please contact us if you have any questions at all – we’d be delighted to help out.

Let's get started BORROW UP TO £1,000,000 ON A SECOND MORTGAGE

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