The Second Charge Loan Process | The Second Mortgage Company

Step by step loan process


You make an enquiry on our website or request us to call you


An experienced New Business Underwriter will contact you to confirm your requirements.


We will search our panel of lenders to find the loan that best suits your requirements.


Your application will then be allocated to an experienced Loan Processor who will send the loan details for you to consider. If you are happy with the terms provided you just need to send us the information we have requested.


Your dedicated Loan Processor will be working tirelessly obtaining any additional items that the lender requires.


Upon receipt of all items your application will be sent to the lender for final approval


Once approved the lender will send you a binding offer to sign and return


On receipt of your signed offer the lender will look to complete and fund your application




Please see our useful information section and the below websites that you may find helpful. They provide general guidance on how to help improve your finances and advice in relation to debt.


The Money Advice Service

Free and impartial money advice set up by the Government

Visit Website


Debt Charity offering online debt advice

Visit Website


Citizens Advice

Debt and money advice

Visit Website


Government website highlighting options for dealing with your debts.

Visit Website

As a mortgage is secured against your home, your home could be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home.

Why not call us for free? 0800 0831593