Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Second Charge Mortgages
Unlock The Equity In Your Home
A second charge mortgage lets you borrow against the equity in your home without remortgaging — so you keep your current deal while raising the funds you need.
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Wealth of lenders in the market
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Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
A second charge mortgage allows you to borrow additional money against your property while leaving your current mortgage in place.
Rather than replacing your existing mortgage, a second charge sits alongside it, creating a second secured loan against your property – often a cost-effective alternative to remortgaging, particularly if your existing rate is low or carries early repayment charges.
Second charge mortgages are an increasingly popular solution for homeowners who need additional borrowing but don’t want to lose the benefits of their current mortgage arrangement.
Speak to an Expert
Why Consider Second Charge Mortgages?
- Raise funds for home improvements or extensions
- Consolidate existing debts
- Purchase another property
- Fund education costs
- Pay for significant life events
- Support family members financially
- Invest in a business
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share how much you want to raise and why. We'll assess your equity, existing mortgage and goals with no obligation.
02We Compare The Market
Your adviser searches specialist second-charge lenders to find competitive rates and terms that fit your situation.
03We Find The Deal
We manage the application through to completion so you can unlock equity while keeping your current mortgage in place.
Our Specialist Finance Services
2nd Charge Mortgages
Release equity with a second charge while keeping your existing mortgage in place — flexible terms for established homeowners.
Read More
Bridging Finance
Short-term funding to secure opportunities, refurbish assets or bridge the gap before long-term finance.
Read More
Commercial Mortgages
Finance for offices, retail, industrial and mixed-use property — whole-of-market options tailored to your business.
Read More
Development Finance
Funding for ground-up developments, conversions and heavy refurb projects with experienced underwriting support.
Read MoreCommon Specialist Finance Questions
Borrowing depends on your available equity, income, credit profile and the combined loan-to-value of both charges. Many lenders allow total borrowing up to around 70–85% LTV. Your adviser will give you a realistic figure after reviewing your circumstances.
Your first-charge mortgage stays in place — rate, term and lender unchanged. The second charge sits behind it as additional security. Your first lender may still need to consent to the new charge.
Straightforward cases can complete in a few weeks once valuation and legal work are underway. Timelines vary by lender, solicitor and whether first-charge consent is required — we'll set clear expectations early.
Expect broker, valuation and legal fees, plus any lender product fees. Everything is disclosed before you proceed so there are no surprises. In many cases lender commission covers part of our advice fee.
Typically ID, proof of address, income evidence, mortgage statements and property details. We'll provide a tailored checklist so you know exactly what to upload or bring to your appointment.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
