Liquid Expat

We’re available 24/7, call us on:
☎ +44 (0)161 871 1216

Liquid Expat

We’re available 24/7, call us on:
☎ +44 (0)161 871 1216

Second Charge Mortgages
for Expats & Foreign Nationals

Liquid Expat Mortgages can help you secure a second charge mortgage loan in the United Kingdom.
Free up your money while leaving your current mortgage in place.

Second Charge Mortgages
for Expats & Foreign Nationals

We can help you secure a second charge mortgage loan in the UK.
Raise the finance you need without having to remortgage.
Borrow from £5,000 to £2.5M.

Second Charge Mortgages for Expats & Foreign Nationals

Liquid Expat Mortgages can help you secure a second charge mortgage loan in the UK.

Talk to our mortgage experts

Call +44 (0)161 871 1216

or arrange a call-back

Talk to our mortgage experts

Call +44 (0)161 871 1216

or arrange a call-back

What is a Second Charge Mortgage?

A second charge mortgage, sometimes called a secured loan, can be a good option if you’d like to borrow money while leaving your current mortgage in place. The new loan is secured on your property and is available for many different purposes. It can allow you to avoid the costs associated with a remortgage.

Frequently Asked Questions

There are several reasons why a second charge mortgage might be worth considering:

  • if you’re struggling to get some form of unsecured borrowing, such as a personal loan, perhaps because you’re self-employed
  • if your credit rating has gone down since taking out your first mortgage, remortgaging could mean you end up paying more interest on your entire mortgage. A second mortgage means extra interest just on the new amount you want to borrow
  • if your mortgage has a high early repayment charge, it might be cheaper for you to take out a second charge mortgage rather than to remortgage.
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You can take out a second charge mortgage for all sorts of purposes. Some of the most common include;

  • Home improvements
  • Consolidate debts into one monthly payment
  • Business purposes (excluding start ups)
  • Deposit for additional property purchase (e.g. Buy-to-let or holiday home)
  • Payment of a tax bill
  • Wedding
  • Car purchase (maximum term is 5 years)
  • School fees
  • Transfer of equity
  • Lease extension
Get a quote

You’re only eligible for a second mortgage if you’re already a homeowner. That said, you do not necessarily need to live in the property.

As FCA regulated brokers, Liquid Expat Mortgages are able to comply with stricter rules and as such are able to ensure the recommended and regulated guidance points such as affordability checks and ‘stress testing’ the borrower’s financial circumstances as an applicant for a main or first charge residential mortgage.

In effect Liquid Expat Mortgages will ensure that as a matter of standard practice mortgage advice is always offered in order to determine and identify affordable lending.

Get a quote

A second charge mortgage allows you to use any equity you have in your home as security against another loan and whilst it means you will have two mortgages on your property, it allows you to free up any equity you have in the property to use elsewhere.

So if you have a home worth £350,000 and you have £185,000 left to pay on your mortgage, you have £165,000 in equity. Liquid Expat Mortgages can help you secure a second charge mortgage loan in the United Kingdom.

Get a quote

If you sell your home, you will need to pay off your second charge mortgage or transfer it to a new mortgage.

Get a quote
Find out more
Speak With An Expert
Find out more
Arrange a call back

A second charge mortgage might be cheaper than getting a remortgage

A couple living and working in Dubai had held a mortgage of £237,000 for the last 10 years on capital and interest on a home in the United Kingdom. They bought their home for £295,00.00 and had managed to pay down the capital by £90,000.00. Since buying their property the value had risen by £95,000 and they now wanted to borrow £125,000 to purchase a second home for investment purposes.

At the time they wanted to remortgage, but a chat with Liquid Expat Mortgages allowed them to understand they were perhaps better suited to a second charge mortgage.

The couple eventually settled on a second charge mortgage which allowed them to make their secondary purchase quickly and did not have any repayment penalties, unlike some of the remortgage products they’d previously looked at elsewhere.

Find out more
Arrange a call back

Join the thousands of expats already using Liquid Expat

The level of service we provide to our customers at Liquid Expat Mortgages is really important and we’re always delighted to receive positive feedback. Here’s what some of our clients have said about us recently.

Paul Testimonial

­ I have to say my experience with Liquid Expat Mortgages was positive from start to finish. The level of customer service I received from both John and Liam was simply outstanding, thank you!

Paul / UK Expat living in Dubai
N.T.O Testimonial

­ We would like to commend the excellent support we received from Liquid Expat in our recent recent buy-to-let mortgage application, which proceeded faster than we could have hoped. Thank you so much.

Nate / UK Expat living in Australia
Sarah Testimonial

­ I just wanted to drop you a note to express my thanks for the work Liquid Expat has done in helping me secure a formal mortgage offer for a residential property in Scotland, which is due to complete later this week.

Sarah / UK Expat living in the USA
Danielle Testimonial

­ I know I haven’t reached the finished line yet and completed, but I would just like to say a big thank you for putting up with a million questions from me about my first time buyer property purchase in the United Kingdom.

Danielle / UK Expat living in HK
Pete Testimonial

­ Of the many companies we’ve had to deal with throughout our extended expat mortgage process, your proactive and positive attitude has set you aside from all the others and gratefully received, thank you!

Pete / UK Expat living New Zealand
Helen Testimonial Qatar

­ I just want to say a massive thank you for finding me a mortgage when I was really really struggling. I had previously contacted THREE different brokers who were all unsuccessful.  You really are expat specialists! 

Helen / UK Expat living in Australia
Nira Testimonial

­ We are sending this message with sincere thanks to Liquid Expat for their brokerage services in helping us to secure our buy-to-let expat mortgage in the United Kingdom so quickly.

Nira / Foreign National living and working in New Zealand
Kaleb Testimonial

­ I just wanted to say a big thank you to Liquid Expat for all their help over the last few weeks. It would have been impossible to do this purchase without your expert help and advice.

Kaleb / Foreign National living and working in Spain
Sato Testimonial

­ Thanks for your great work. Very much appreciated. I can honestly say that it’s been good working with you and your team, you’ve made the difficult process very smooth.

Sato / Foreign National living and working in Hong Kong
N.T.O Testimonial

­ We would like to commend the excellent support we received from Liquid Expat in our recent recent buy-to-let mortgage application, which proceeded faster than we could have hoped. Thank you so much.

Nate / UK Expat living in Australia
Sarah Testimonial

­ I just wanted to drop you a note to express my thanks for the work Liquid Expat has done in helping me secure a formal mortgage offer for a residential property in Scotland, which is due to complete later this week.

Sarah / UK Expat living in Australia
Sato Testimonial

­ Thanks for your great work. Very much appreciated. I can honestly say that it’s been good working with you and your team, you’ve made the difficult process very smooth.

Sato / Foreign National living and working in Australia
Find out more
Arrange a call back

We want to save you time and stress applying for a second mortgage

Our large team of Mortgage Consultants are super-qualified, experienced and friendly. Trained to the highest standard, they’ll take care of all the hard work and support you throughout the whole process.

We’ll save you time and stress when applying

Our large team of Mortgage Consultants are super-qualified, experienced and friendly. Trained to the highest standard, they’ll take care of all the hard work and support you throughout the whole process.

Find out more
Arrange a call back

Copyright © 2024 Liquid Expat Mortgages, All rights reserved. Privacy Policy. Terms & Conditions. Procedures.
DISCLAIMER: Liquid Expat Mortgages is a trading style of Liquid Complete Ltd, trading address: Suite 4b, Link 665 Business Centre, Todd Hall Road, Rossendale, BB4 5HU, United Kingdom. Registered in England & Wales address Phoenix House, 2 Huddersfield Road, Stalybridge, SK15 2QA, United Kingdom. Company No 09438556. Liquid Complete Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 685425. The FCA does not regulate some investment mortgage contracts. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it.