Second Charge Mortgages

When remortgaging is not the answer

As one of the UK’s leading second charge lenders, West One offers one of the most comprehensive ranges of products including both residential and buy-to-let second charge mortgages.

Second charges allow borrowers to unlock equity in their property without disturbing their first charge mortgage arrangements.

Offering a combination of both competitively priced products and an individual approach to underwriting, our aim at West One, is to provide second charge finance options to a wide range of borrowers including those who may have more complex circumstances or who may have less than a perfect credit score.

Our products are exclusively available through a panel of Master Broker partners who work with mortgage intermediaries to provide a varied range of submission routes for second charge mortgage applications.

Product Guide   Useful Downloads

Let us help you get started

Our products are exclusively available through a limited panel of Master Broker partners who work with mortgage intermediaries to provide a varied range of submission routes for second charge mortgage applications.
For new cases - Please contact us for the most appropriate submission route ETC

Award Winning Mortgage Lender

Trusted by the experts

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Our Product Range

Second Charge Mortgages for Homeowners and Landlords

Residential Second Charge Mortgages

A flexible range of second charge mortgages secured on the borrower's main residence.

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Buy-to-Let Second Charge Mortgages

A range of second charge mortgages to cater to the needs of property investors.

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Submit a case for second-charge mortgages

Our products are exclusively available through a limited panel of Master Broker partners who work with mortgage intermediaries to provide a varied range of submission routes for second charge mortgage applications.

For new cases - Please contact us for the most appropriate submission route.

For queries with existing cases - Please email our support desk at brokersupport@westoneloans.co.uk or call 0333 1234556. 

 

Submit a case

 

Become an Introducer

Introduce business to West One

If you would like to discuss a case, register as an introducer or learn more about what West One has to offer, simply complete the short enquiry form below and a member of our broker support team will get in touch.

Register now
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Useful Downloads

We hope you find the following documents useful. Please contact us if you require anything specific.  

Second Charge Tariff of Charges Fair Value Assessment 12 More Reasons to use West One Second Charge Mortgages

Meet the Second Charge Mortgages Team

Marie Grundy

Managing Director, Residential Mortgages & Second Charges

marie.grundy@westoneloans.co.uk +44 (0)333 123 4556

Pauline Rylands

Head of Specialist Distribution

pauline.rylands@westoneloans.co.uk +44 (0)7810 293 964

Liam Nugent

Key Account Manager (South)

liam.nugent@westoneloans.co.uk +44 (0)7386 955 458

Broker Support

Broker Support, Residential Mortgages & Second Charges

brokersupport@westoneloans.co.uk +44 (0)333 123 4556

Partnerships

West One are proud to be an Associate Firm within the Society of Mortgage Professionals.

We are committed to upholding the SMP code of ethics and promote professionalism within our sector.

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Second Charge Videos

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Thoughts on '24 With Managing Director of Residential Mortgages and Second Charges Marie Grundy HQ Thumbnail

Thoughts on '24 With Managing Director of Residential Mortgages and Second Charges Marie Grundy
Looking Ahead to the Specialist Mortgage Market in 2023 with West One HQ Thumbnail

Looking Ahead to the Specialist Mortgage Market in 2023 with West One
West One Loans in conversation with Specialist Lending Solutions - Marie Grundy Part 2 HQ Thumbnail

West One Loans in conversation with Specialist Lending Solutions - Marie Grundy Part 2

 
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Latest Second Charge Blogs

  • Second charge mortgages are no longer niche products Second charge mortgages

    Second charge mortgages are no longer niche products

    Marie Grundy - Managing Director of Residential Mortgages and Second Charges

    Read more
  • The numbers will soon show that the second charge market is booming Second charge mortgages

    The numbers will soon show that the second charge market is booming

    Paul Huxter - Head of Clubs and Networks

    Read more
  • Resilience last year to be followed by growth in 2024 Second charge mortgages

    Resilience last year to be followed by growth in 2024

    Marie Grundy - Managing Director of Residential Mortgages and Second Charges

    Read more

Other Products

Bridging Finance

Short-term, interest-only loans available for those that need immediate access to capital.

Learn More

Development Finance

Designed for property developers requiring fast, efficient finance for residential-led developments. 

Learn More

Buy-to-Let Mortgages

First charge buy-to-let mortgages offering flexibility to both amateur and professional landlords. 

Learn More

Residential Mortgages

West One offers a comprehensive range of residential mortgage products to borrowers who are unable to obtain a high street mortgage. Learn More