Second Charge Mortgages
A flexible way for your client's to raise finance without disturbing their existing mortgage rate
About this product
Turn Declined Cases into Revenue
Don't let rigid lending criteria cost you a client. When a further advance is rejected or remortgaging isn't viable, a Second Charge Mortgage keeps your cases moving.
Raise flexible capital against Residential, Buy-to-Let (BTL), Consumer BTL, or HMO properties—all without disrupting your client's primary mortgage rate.
Product overview
Specialist Lending Criteria
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Loan to value
Up to 100% LTV considered
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Loan amounts
£10,000 to £1 million
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Maximum age
85 at end of term
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Income assessment
Flexible income ratios available
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Rate types
Fixed, variable and tracker rates
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Property types
Non-standard construction accepted
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Legal purpose
Any legal purpose, including debt consolidation
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Applications
Joint applications, sole-name deeds accepted
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Credit profile
All profiles considered including CCJs, IVAs and discharged bankrupts
Client eligibility
Cases We Can Help You Rescue
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Further Advance Declined
When your client’s current lender rejects a further advance, we source a second charge mortgage to raise capital without disturbing the primary loan.
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Favourable First Charge At Risk
Protect your client’s competitive interest rate and/or bypass heavy redemption penalties by utilising our second charge panel rather than remortgaging.
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Unsecured Borrowing Capped
When unsecured personal loans cannot meet the required loan amount or term length, we leverage property equity to unlock larger sums at competitive rates.
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Adverse Credit History
We bypass rigid high-street criteria by matching clients with specialist lenders who accept historical defaults, active CCJs, IVAs, or discharged bankruptcies.
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Complex Income Streams
We place complex cases with specialist lenders who look beyond standard criteria to accept self-employed clients, contractors, and multi-stream revenues.
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Sole-Owner, Joint-Borrower
We have access to flexible lenders who accept joint mortgage applications even when the underlying property deeds are registered to a single owner.
Referral process
Partner with TLE: Refer with Confidence
Outsource your complex second charge cases to TLE. We handle everything from the initial advice to packaging and completion, ensuring you secure your commission while we do the heavy lifting.
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Refer the case to TLE
Submit an enquiry online or call us on 0800 032 9595. Give us the key details about your client's needs. Our specialist advisors will then take control from there.
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Comprehensive fact find
Our expert advisers conduct a thorough fact-find with your client, identify the most suitable options from our whole-of-market panel, and take 100% advice responsibility.
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End-to-end case management
We manage the entire application process—lender submission, valuation, legal work, and all correspondence. You receive regular milestone updates from submission to final completion.
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Commission paid promptly
Once the case completes, your referral commission is paid promptly, often on the very next working day. With zero chasing required, we’ll always ensure your revenue is delivered quickly and without delay.
Why TLE
Why Intermediaries Choose Us
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Whole of Market
Access to a comprehensive panel of specialist second charge lenders.
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35+ Years of Expertise
An experienced team skilled in managing complex cases with underwriting precision.
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Turnaround Times
Fast decisions to determine exactly where we can place your client.
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Maximised Earnings
Competitive revenue paid to you upon every successful case completion.