Welcome to Interbridge Mortgages

As a specialist second charge lender, we're here to help you achieve your financial goals.

Why Choose A Second Charge Mortgage?

A second charge mortgage, also known as a second mortgage or homeowner loan, is a way of borrowing additional money if you already have a mortgage.

How Does It Work?

This type of loan is secured against the existing equity in your home, meaning you can access the value tied up in your property without needing to remortgage. This allows you to obtain funds for various purposes while keeping your primary mortgage intact.

Benefits of a Second Charge Mortgage:

  • Quicker Approval: Organising a second charge mortgage may often be faster than securing additional borrowing or amending your primary mortgage, with decisions typically made within 15 days.
  • Flexible Use of Funds: As well as home improvements, this type of loan can help you cover expenses, such as a tax bill, school fees or legal fees, providing flexibility when you need it most.
  • Lower Interest Rates: The interest rate on a second charge mortgage is often lower than credit cards and personal loans, making it a more affordable borrowing option.
  • Preserve Your Current Mortgage Deal: No need to remortgage. With a second charge mortgage you can keep your existing mortgage deal and the favourable rate you have.

We work with a panel of broker partners to be able to offer you loans from £15,000 to £500,000.

So if you're looking to consolidate existing debt, carry out home improvements or complete a project, you can find out how much a second charge loan from Interbridge Mortgages could be a month using our loan calculator.

Remember that as the loan is secured against your current property, it is important that you discuss your needs with an independent advisor so they can find you the best deal for your situation.

Are you a Homeowner with a mortgage?

You must have an existing mortgage in order to apply for a second charge mortgage. You may find it useful to visit www.moneyhelper.org.uk or you can visit www.unbiased.co.uk to search for a broker that could assist.

£ £15k £500k
Borrowing amount should be a minimum of £15,000 and maximum of £500,000
Years 5 Years 30 Years
Loan term should be a minimum of 5 years and maximum of 30 years
£
Home value should be a greater than £0
£
Outstanding mortgage amount should be a greater than £0

* Indicates that the field is required.

Please note: All results are for illustrative purposes only and are not intended to be considered a quote. Broker and Lender fees may apply.

Your Results

  • Loan Amount

    £0

  • Indicative Monthly Repayment

    £0

  • Indicative Interest Rate*

    0%

  • Total Repayable

    £0

*This rate is estimated based on your Loan to Value percentage calculated from the information you have provided.

Please note: All results are for illustrative purposes only and are not intended to be considered a quote. Broker and Lender fees may apply.

Representative Example
Borrowing of £40,000, £895 lender fee, £2,400 broker fee, over 180 months on a 5-year fixed product with an initial borrowing rate of 8.698%, followed by a variable rate of 10.121%. There would be 60 monthly instalments of £431.38, followed by 120 monthly instalments of £458.21. The total amount payable would be £80,963.00 which includes a £95 discharge fee. The overall cost for comparison purposes is 11.10% APRC. Please be advised that any interest rate fluctuations during the life of the mortgage contract, will affect the total amount repayable.

Ready to talk to a broker?

Find a broker

Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it