Compare Second Charge Mortgages & Apply For The Best Loan You're Eligible For. 
We are Second Charge Specialists with over 75 years of combined experience, We will guide and assist you throughout the entire process until your loan completes. We handle the full process and help homeowners access equity in their property and borrow from £20k-£500k for: Debt consolidation, Home improvements, Buy-to-let deposit, Paying a tax bill, Wedding costs & Business purposes. Use our simplified process to arrange a free, no-obligation consultation while gaining immediate access to the best rates in the market. This won’t affect your credit score.
Loan Details - Step 1 of 4
(Must be a Homeowner to apply)

How It Works

Use our simplified process & get immediate access to the best market rates in the UK. Access equity in your property with second charge mortgage guidance.

Complete our contact form

Tell us more about you by completing our short questionnaire. This will allow us to look at every possible option

Speak to our mortgage experts

Our expert team will be in touch to discuss your options, explain the process and answer any questions you may

We handle the full process

We will deal directly with the lenders on your behalf to take the stress out of the application process.

Secure best loan you’re eligible for

Secure the best second charge mortgage based on your individual circumstances.

Second Charge Mortgage Specialists

Contact us for a free consultation
Contact

Second Charge Mortgage Specialists

Contact us for a free consultation
Contact

FAQs

A second charge mortgage is a loan that is secured on your home over and above your existing mortgage.

Completely dependant on your personal circumstances i.e equity and affordability.

We can obtain lending that is not available through your existing mortgage lender. For example, debt consolidation and tax bills.

You can usually borrow more over a longer term to keep your payments to a minimum.

Interest rates are based on your individual circumstances.

Yes, we do our utmost to help our clients, even if you have a history of poor credit, defaults or CCJs.

Get In Touch

Second Charge Mortgage Specialists

Contact us for a free consultation
Contact

Monarch Financial Services Ltd

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Monarch Financial Services Ltd is Registered in Scotland. Company Number SC545540. Registered Office address: Bank Chambers, 42 Bank Street, Kilmarnock, East Ayrshire, KA1 1HA.

Authorised and regulated by the Financial Conduct Authority. Monarch Financial Services Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 937276.

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

If you wish to register a complaint, please write to [email protected] or telephone 0330 122 0997.  A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.


Our Branches

Bank Chambers,
42 Bank Street,
Kilmarnock, KA1 1HA

102a Pentagon Centre
36 Washington Street
Glasgow, G3 8AZ

Monarch Financial Services Ltd

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Monarch Financial Services Ltd is Registered in Scotland. Company Number SC545540. Registered Office address: Bank Chambers, 42 Bank Street, Kilmarnock, East Ayrshire, KA1 1HA.

Authorised and regulated by the Financial Conduct Authority. Monarch Financial Services Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 937276.

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

If you wish to register a complaint, please write to [email protected] or telephone 0330 122 0997.  A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.


Our Branches

Bank Chambers,
42 Bank Street,
Kilmarnock, KA1 1HA

102a Pentagon Centre
36 Washington Street
Glasgow, G3 8AZ

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