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.

Let us help you get started

Our products are exclusively available through a panel of Master Broker partners. 
Contact us today for more information on how you can access our range of products.

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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How to 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.

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Useful Downloads

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

Second Charge Product Guide May 22 Second Charge Tariff of Charges 2022

Meet the Second Charge Mortgages Team

Marie Grundy

Managing Director, Second Charge Mortgages

marie.grundy@westoneloans.co.uk +44 (0)333 1234 556

Pauline Rylands

Second Charge Account Manager

Pauline.rylands@westoneloans.co.uk +44 (0)7810 293964

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

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West One Loans in conversation with Specialist Lending Solutions - Marie Grundy Part 1

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Latest Second Charge Blogs

  • A positive outlook Second charge mortgages

    A positive outlook

    By Marie Grundy, Managing Director Second Charge Mortgages, West One Loans

    Is the second charge market going to see a significant rise in the next year or so?...

    Read more
  • Second charge mortgages could help finance the home improvement boom Second charge mortgages

    Second charge mortgages could help finance the home improvement boom

    By Marie Grundy, Managing Director Second Charge Mortgages, West One Loans

    The pandemic has seen many people re-evaluate their living arrangements, from moving...

    Read more
  • Remortgaging and product transfers set to boost second charge lending Second charge mortgages

    Remortgaging and product transfers set to boost second charge lending

    By Marie Grundy, Managing Director Second Charge Mortgages, West One Loans

    If 2021 was the year for house purchase, boosted by the stamp duty holiday, 2022...

    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