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Bridging Finance

Second Charge Bridging Loans

Unlock additional funding opportunities with our specialised second charge bridging loans.

Bridging Loan
Rates and costs

We have whole of the market access allowing us to find our customers the best possible deal.

Monthly interest rates from
0.55% per month
for loans under £1 million
0.49% per month
for loans over £1 million

Introduction to Second Charge Bridging Loans

Second charge bridging loans offer a flexible and accessible solution for borrowers seeking additional capital secured against their property. Whether you're looking to fund home improvements, consolidate debts, or seize investment opportunities, second charge bridging loans provide a versatile financing option that leverages the equity in your property.

Benefits of Second Charge Bridging Loans

Maximize Borrowing Potential

Second charge bridging loans allow borrowers to maximize their borrowing potential by leveraging the equity in their property to secure additional funding.

Flexible Financing Options

With second charge bridging loans, borrowers can access flexible financing options tailored to their specific needs, providing quick access to capital.

Minimize Disruption

Avoid disrupting existing mortgage arrangements with second charge bridging loans, providing a seamless solution for accessing additional funding.

Our Second Charge Bridging Loans Solutions

Unlock Hidden Equity

Second charge bridging loans allow borrowers to tap into the untapped equity in their property, providing access to additional funds for a variety of purposes.

Speed and Efficiency

With quick application processes and expedited funding, second charge bridging loans offer a streamlined approach to accessing capital.

Preserve Existing Arrangements

Unlike traditional refinancing options, second charge bridging loans allow borrowers to maintain their current mortgage arrangements.

Second Charge Bridging Loans – Frequently Asked Questions

What is a second charge bridging loan?

A short-term loan secured behind an existing mortgage on the same property. The existing lender keeps first charge, and the bridging lender takes second charge.

Why choose a second charge bridge instead of refinancing?

It lets you raise funds from a property's equity without disturbing an existing mortgage — useful when that mortgage has a good rate or early repayment charges.

Do I need my existing lender's consent?

Usually yes. Most second charge lenders require consent from the first charge holder, and we help manage that process.

Can I get a second charge bridging loan on my own home?

No. We only arrange second charge bridging secured on investment, commercial or semi-commercial property — never on a property that is or will become your or your family's home.

Is second charge bridging finance regulated by the FCA?

No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.

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