Our residential
second charge mortgage range

Hero Curve

Residential Second Charge mortgages allow borrowers to release equity from their own homes.

West One offers an extensive range of Second Charge mortgage solutions, built on our strong reputation for taking time to understand individual borrower’s needs, and combined with an in-depth understanding of the second charge mortgage market.

This means we can cater for borrowers who require a bespoke approach to lending, such as the self-employed, older borrowers and those with less-than-perfect credit histories.

We have 3 tiers of residential Second Charge mortgage plans available, depending on your client's credit health, with a dedicated series of plans for self-employed borrowers.

Key product features:

  • Second Charge Mortgage Rates starting from 3.85%
  • Self-employed, older borrowers and those with a less than perfect credit score considered
  • Bespoke products to repay current performing IVA / DMP plans available
  • LTV up to 85%
  • Loan terms from 3 to 30 years
  • Loan sizes from £10,000 - £500,000
  • Wide selection of products including variable and fixed rate options
  • Overpayments permitted up to 10% of outstanding balance per annum

Properties we lend on:

  • England, Scotland and Wales, minimum £100,000 value
  • Freehold houses
  • Leasehold flats over 55 years at end of loan term
  • Ex-local authority houses can be considered
  • Ex-local authority flats can be considered

Already a broker with us? Log in to our portal

Hero Curve

Get started

Cut through the red tape with our hassle-free application process. We can typically confirm almost immediately whether your client’s application is likely to be successful.

Apply now