Second Properties

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Second mortgages are for the purchase of a second property and are not the same as a second charge mortgage or remortgaging. Obtaining a second mortgage while paying off your first is considered riskier - and will require careful consideration. We can provide clarity to the situation and help you to take the next step up the property ladder.

Common Reasons to Buy a Second Property

  • Own a family holiday home
  • Help a family member get on the property ladder
  • Downsizing retirement plans for the future

First Mortgage Vs. Second Mortgage

The process of getting a second mortgage is not so different from the first. One aspect of the process which is likely to be different is the level of scrutiny that lenders will put on your finances. With two mortgages to pay, they will want to be 100% sure that you have the means to pay both mortgages without defaulting on payments. You may need to place a bigger deposit on a second mortgage.

All of these details can be discussed with us, so you fully understand the process of acquiring a second mortgage.

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    Beard and Coles Financial Planning, Gold Financial Services, Inspire Financial Partners, White Eagle Finance, Robinson Sharpe Financial Planning, Cathedral City Financial Services, Hoare Jacques Financial Planning, Market Wide and The Partnership Southampton are trading styles of Warwick Road Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

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