Second Charge Mortgage

We provide a solution for raising funds without the need to re-mortgage your property.

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With a second charge mortgage, you can secure a loan against your property while maintaining your existing mortgage. This type of mortgage functions similarly to a regular mortgage, requiring monthly repayments until the loan and interest are fully paid off. The advantage, however, is that you can access funds for various purposes without disrupting your current mortgage arrangement. Whether you need funds for home improvements, debt consolidation, or a buy-to-let deposit, a second charge mortgage can be an ideal alternative.

Opting for a second charge mortgage can be a more cost-effective borrowing option, especially when compared to re-mortgaging or other types of unsecured loans. With attractive interest rates available, it offers a viable solution, particularly if your first charge mortgage entails high early redemption charges or if you have a favourable interest rate that you wish to retain.

If you have faced rejection from your current mortgage lender for a re-mortgage or further advance due to bad credit, there’s no need to despair. We collaborate with lenders who specialize in offering competitively priced second charge mortgage products tailored to borrowers with current or past bad credit. Our team has access to the 180 lenders, ensuring that we can secure the best deal for you. Rest assured; we are committed to finding the most suitable solution for your needs.

Contact us today to explore the possibilities of a second charge mortgage and discover the competitive rates and favourable criteria available to you.

“We do not offer this service personally but can refer you to our third party who will be happy to help you”

First Time Buyer

We understand that moving houses can be an incredibly stressful experience, but our clients often find it exciting, especially if they're first-time buyers.

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Re-mortgage

When the time comes for change, we ensure that it's a positive one.

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Home Movers Mortgage

When the time comes to relocate, we strive to move forward in the right direction.

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Buy-To-Let Mortgage

Are you interested in entering the property market and building a successful property portfolio?

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Self Employed Mortgage

Securing a mortgage as a self-employed professional can present unique challenges.

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Bad / Adverse Credit Mortgage

Having bad credit doesn't automatically mean that you must settle for a subpar mortgage.

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Commercial Mortgage

We offer access to a diverse range of commercial finance options for both businesses and individuals, catering to various market sectors, budgets, and commercial properties.

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Bridging Loan

A bridging loan is a short-term financing option designed to bridge the financial gap between purchasing a new property and selling an existing one, especially in time-sensitive situations

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Why Us?

We offer comprehensive financial and life planning that enables you to navigate the complexities of your financial journey with clarity and confidence

You can rest assured knowing that our professional team will be there to support you at every step

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    Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.

    Wealth Financial Services Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Cuduct Aughority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 997684. The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.

    There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

    Wealth Financial Services Ltd is Registered in England and Wales No.: 14754538. Registered Address: Crown House, Suit 302, London, NW10 7PN.

    Commission Disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not influence the amount that you pay to that lender under your credit agreement.

    Making a Complaint: It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.