Second charge mortgages for contractors
Access your home equity through second-charge mortgages designed for contractors.
Also known as secured loans or second loans, second-charge mortgages offer flexibility and greater efficiency than remortgaging. They also maintain your current mortgage’s integrity.
We tailor our second-charge mortgages to your unique contractor status.
Preserve your mortgage terms
Second-charge mortgages allow contractors to borrow against their home equity without altering their existing mortgage. This is particularly beneficial if you want to:
- Avoid early repayment charges.
- Maintain favourable mortgage terms.
- Protect a fixed interest rate.
We collaborate with specialised lenders to secure customised financial solutions, ensuring your borrowing potential reflects your actual income.
Flexible financial solutions
Contractors often use second-charge mortgages to:
- Home Improvements: Upgrade your living space or increase property value
- Debt Consolidation: Streamline payments into one manageable loan
- Business Investments: Access capital for professional growth
Our expert brokers simplify the process. We tailor your application to highlight your annualised income, making accessing the funds you need easier.
Get started - second charge mortgage enquiry
Get expert advice from the second charge mortgage specialists. Call us on 020 8421 7999 or complete our enquiry form today.
Tailored second loans for contractors
We specialise in second-charge mortgages designed for contractors. Here’s why we stand out:
Bespoke underwriting
Borrow based on annualised contract rates, even for short-term contracts.
Specialist lender network
Access to lenders who understand contractor income structures.
Efficient process
Secure loans faster than traditional remortgaging.
Lower costs
Avoid early repayment charges and maintain your current mortgage terms.
Understanding eligibility requirements
To qualify for a second-charge mortgage, contractors must typically meet these criteria:
Home equity
Documentation
Credit history
Loan purpose
We guide you through every step, ensuring your application meets all lender requirements and stands out to underwriters.
The benefits of working with us
Our proven track record ensures you unlock your home’s equity efficiently and effectively, and with over 20 years of experience, Freelancer Financials delivers:
Expertise that matters
We have deep insight into contractor income structures for smarter borrowing and decision-making.
Tailored solutions
Bespoke advice to match your financial goals.
Exclusive access
Strong relationships with specialist lenders for competitive deals.
End-to-end support
A dedicated team simplifies the process every step of the way.
Ready to access your equity?
Speak to our team today about second-charge mortgages tailored to your unique contractor status. We’ll unlock the equity in your home while preserving your current mortgage terms.
To speak to an adviser, please call us on 020 8421 7999
