Second Charge Loans

Crystal Specialist Finance finds and packages Second Charge Loans for the clients of mortgage brokers and Independent Financial Advisers, just like you.

At Crystal Specialist Finance, we find it important to develop a range of financial solutions that meet you and your client’s circumstances. We cater for a range of scenarios that would leave you or your client looking for a Second Charge Loan.

What is a Second Charge Loan?

What Makes Us Different?

If your client wants to raise money for things like home improvements or debt consolidation, or even if they have had a mortgage declined, a second charge mortgage is an excellent option. We’ve further enhanced the traditional range of Residential Second Charge Loans by offering exclusive facilities on a second charge basis, secured on either Commercial property or buy-to-let property. We can even look at finance options for:

  • Deposit Raise for Property Purchase
  • Business Use
  • Expanding a Portfolio
  • Wedding/Divorce
  • Cars/Holidays
  • Tax Bills

Whatever the situation, we'll be happy to help your client gain acess to the funds they need.

Our panel and process is designed to fit with you which is why we pride ourselves on three things: Speed. Service. Flexibility.


Everything we do is in-house. We can help with the quick turn-around you need to complete any type of case you come across. For an even quicker turn around, submit a DIP form to our broker portal.


We pride ourselves on our service. You can rest assured you will receive award winning service from our team of experts at every stage of your clients’ application.


We want your deal to complete as quick as you do. We work with you to structure a solution for even the most unusual case.

If you are looking for finance for any purpose secured on any property type, we aim to help. Using Crystal Specialist Finance to secure a Second Charge Loan against a property makes the process quick, simple and realistic. Our financial experts make it as easy as picking up the phone.

Make a Quick Enquiry

Case Study

A client who was referred to us only had seven days remaining within which to complete on a £1M residential refinance to take advantage of a discount being offered by the existing lender. Let down by a lender originally approached at the eleventh hour we negotiated the use of the aborted valuation already undertaken to arrange the finance. The client completed with four days to spare with the borrowing arranged in a limited company structure. NO personal guarantees were sought. Finance was arranged at 1.3% per month, and the property was sold and the finance redeemed within three months.

Contact Us

For a quick call back