Top 10 Best Second Charge Lenders in the UK (2026)
Ranked shortlist of lenders in our directory — same data and rules as our Second Charge guide. Not a personal recommendation; see how we rank below.
How this list is built
We use transparent directory signals only - no paid placement.
- Lenders must show active second charge focus in our lender directory data.
- Order is based on active status, lender type grouping, then alphabetical tie-break.
- This is directory ordering, not a personal recommendation or financial advice.
Shortlist
Lenders in our directory with second charge focus, ordered as above.
6 lenders
Alternative Bridging Corporation
London Credit
Magnet Capital
Masthaven
Roma Finance
United Trust Bank
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Second-Charge Mortgages: How They Work & When to Use One
A complete guide to second-charge mortgages — how they work, when they re better than remortgaging, typical rates and fees, and how to apply through a specialist broker.
Second Charge vs Remortgage: Which Is Right for You?
Should you take a second-charge mortgage or remortgage? Compare the costs, pros, and cons of each option. Understand when keeping your existing deal and adding a second charge saves money.
Second Charge Mortgage Lenders: Who Offers the Best Rates?
Compare specialist second-charge mortgage lenders in the UK. See current rates, maximum LTVs, lending criteria, and which lenders accept adverse credit or complex income.
Second Charge Mortgages: Complete Guide to Additional Borrowing
Complete guide to second charge mortgages. Learn about additional borrowing, uses, and application process.
Important Information
Mortgage118 is not a lender or broker. This page reflects directory information only and is not financial advice. Confirm FCA status and suitability with an adviser before you act.