Intermediaries
Intermediaries

Second Charge Mortgages

Loans tailored for unique individuals

Life is not always straightforward but thankfully, mortgages with UTB are. We have got a flexible range of second charge loans to support unique individuals.

We can help with a whole range of loan purposes, property types, constructions, complex income including self-employed and contractors and those with imperfect credit.

Some Criteria Highlights
Product Range & Criteria Guides

At a glance

Our Second Charge offering:

  • Lending between £25,000 – £500,000
  • Tracker and Fixed rates available
  • Maximum 2 applicants on application
  • Lending up to 90% LTV
  • Maximum age: 85 years​

Key criteria:

  • Multiple loan purposes accepted
  • No ERC options available
  • 6 X LTI up to 85% LTV
  • Married, sole applications accepted
  • Automated valuations available up to 80% LTV

Real customers that we’ve helped

  • Swift second charge settles a hefty tax bill

    Read more

  • Second charge application to offer in 24 hours

    Read more

  • Second charge to repay an expensive Help to Buy equity loan

    Read more

Need more help?

UTB operate through the intermediary channel only.

Read our reviews

  • Quick and consistent

    ‘It is great dealing with UTB as we can be confident that they will deliver a quick and consistent service.’

    – Campbell, Commercial & Asset Finance

  • Great service

    ‘Thanks to all at UTB. Great service as always.’

    – Brian Maguire, DM Finance

  • Best time for a completion

    ‘Thank you. That was the best time for a pay out ever.’

    – Sally, Eurolease (London) Ltd