What does The Second Mortgage Company do?
The Second Mortgage Company provides information about second charge mortgages and introduces enquiries to Loans Warehouse, an FCA-authorised broker. TSMC is a trading style of COLOFS.co.uk LTD and an Introducer Appointed Representative (FCA number 982062). It does not lend or provide regulated advice itself.
This site publishes educational content about second charge mortgages, HELOCs and related topics, and offers a way to begin an enquiry. The Second Mortgage Company is an Introducer Appointed Representative of Loans Warehouse rather than a lender itself. See how it works for the full journey.
Who provides advice and carries out the assessment?
Loans Warehouse contacts the applicant, handles the fact-find, and carries out the advice, affordability assessment and credit checks. The Second Mortgage Company introduces the enquiry and does not carry out its own assessment of any application submitted through this site.
Anyone wishing to confirm a firm's regulatory status directly can search the FCA Financial Services Register for current authorisation and permitted activities.
How does an enquiry move forward?
The short Get a quote form covers the amount and purpose, the property and mortgage, and how to contact you. It is sent to Loans Warehouse for assessment. Loans Warehouse then contacts you. Submitting an enquiry is not an application, an offer, or a guarantee that finance will be available.
The process runs in four broad stages, from the short form through to a lender's own consideration of any application. See how it works for the full breakdown, then start an enquiry when ready.
Our approach to clear information
Content on this site aims to explain second charge mortgages, HELOCs and related topics factually, with risks stated plainly rather than minimised. Pages carry a visible last-updated date, and factual claims are only published once appropriate evidence supports them. A correction route exists through the contact page for anything that appears inaccurate.
Leadership and editorial review
Mark Fry is founder and managing director, holds CeMAP and CeRER qualifications, and reviews site content for accuracy and risk framing. This editorial review is separate from the regulated advice provided by Loans Warehouse. See Mark Fry's profile for his career, qualifications and review role.
Where enquiries are accepted
Enquiries are accepted from across the United Kingdom, including Northern Ireland. The Second Mortgage Company can introduce enquiries involving buy-to-let properties, properties held in a limited company, applicants with adverse credit, self-employed applicants, debt consolidation and business purposes. Introducing an enquiry is not a lending decision.
There are no fees or charges for using this website. Loans Warehouse pays an introductory fee only on applications that complete. Any broker or lender fees depend on the individual case and are discussed at the earliest opportunity.
When did The Second Mortgage Company start trading?
The Second Mortgage Company started trading in 2018. It is a trading style of COLOFS.co.uk LTD, which Mark Fry formed, and was previously a trading style of Second Charge Funding Limited. The company introduces enquiries to Loans Warehouse. It does not lend money or provide regulated advice.
The current legal entity, registered address and FCA number are set out in the company details below.
Company, legal and contact details
The Second Mortgage Company is a trading style of COLOFS.co.uk LTD and an Introducer Appointed Representative (FCA number 982062) of Loans Warehouse, whose office address is 1a, Blackmoor Lane, Watford WD18 8YW. Loans Warehouse provides mortgage products and services.
UK registered address: Unit 6, Riverside Business Centre, Brighton Rd, Shoreham-by-Sea BN43 6RE. Registered under the Data Protection Act ZA150666.
The same wording appears in the site footer on every page. For general contact, call 0800 083 1593 or email info@thesecondmortgagecompany.co.uk, Monday to Friday, 9am to 5.30pm. See the contact page.
See how it works for the enquiry process, or start an enquiry directly.
Frequently asked questions
Does The Second Mortgage Company lend money?
No. The Second Mortgage Company introduces enquiries to Loans Warehouse, which contacts applicants and handles advice, assessment and credit checks. The Second Mortgage Company itself does not lend money or provide regulated financial advice, and it does not make lending decisions on behalf of any lender.
Who provides regulated advice?
Loans Warehouse handles regulated advice, assessment and credit checks after an enquiry is sent. Anyone wanting to confirm a firm's authorisation directly can search the Financial Conduct Authority's Financial Services Register, which lists permitted activities for regulated firms operating in the UK.
How can I check a firm is authorised?
The Financial Conduct Authority's Financial Services Register lets anyone search for a firm by name and see its current authorisation status and permitted activities. Checking this register directly is a more reliable way to confirm authorisation than relying on a website's own description of itself.
Who is Mark Fry?
Mark Fry is founder and managing director of The Second Mortgage Company. He holds CeMAP and CeRER qualifications, has worked in UK second charge mortgages since 1983, and reviews site content for accuracy and risk framing. His profile page sets out that background in full.
How can I make a complaint?
General enquiries and complaints can be raised by calling 0800 083 1593 or emailing info@thesecondmortgagecompany.co.uk, Monday to Friday, 9am to 5.30pm. The contact page has the full details. Where a complaint concerns a regulated firm and remains unresolved, the Financial Ombudsman Service provides an independent route to escalate the matter further.
When did The Second Mortgage Company start trading?
The Second Mortgage Company started trading in 2018. It is a trading style of COLOFS.co.uk LTD, which Mark Fry formed, and was previously a trading style of Second Charge Funding Limited. The company introduces enquiries to Loans Warehouse. It does not lend money or provide regulated advice.