A second charge loan (sometimes referred to as a secured loan) is an ideal option to release equity from your clients property. At Crystal Specialist Finance, we can offer second charge loans on almost all types of property and for residential, commercial or buy-to-let.


Second charge lending is an excellent solution for a client that may not have access to a further advance due to i.e. remortgage declines. It also provides a finance avenue for clients who don’t want to disturb their main mortgage, which may have a an excellent rate or be on an interest only product that may not be available today.


Unlock the equity in your clients buy-to-let or commercial property. We have market-leading rates available on long-term or short-term products.

Second Charge Loans can be used for almost any legal purpose: buy additional property, VAT / Tax bill, working capital, repay creditors, refurbishment, or any legal reason you can think of.


In some cases we can work with a lender on panel who does not require consent from the first charge lender.

Sometimes a case may not require a new valuation in order to go ahead.


  • LTV up to 100%
  • Terms from 3 – 30 years
  • Loans from £3,000 upwards
  • Adverse considered
  • Fixed and variable rate options available
  • Second charge loan specialist in-house
  • Products with no ERCs available

"Second charge lending is playing an increasingly significant role in the specialist sector, with more products available and rates coming down."

Toby Breeden – Director of New Business


No Crystal App Fee on Second Charges in September

WE ARE WAIVING CRYSTAL'S APPLICATION FEE ON ALL REGULATED AND NON-REGULATED SECOND CHARGE LOANS IN SEPTEMBER* Second charge mortgages are a great way to raise capital if your client doesn't want to lose their current 1st charge rate, are struggling to find unsecured lending or if they want to avoid paying high ERCs. Crystal's dedicated...

Debt consolidation

SECOND CHARGE USED FOR DEBT CONSOLIDATION WITH LOW INCOME An introducer contacted us with a client who needed funds to consolidate debt that was spiralling out of control. The client was struggling with his outgoings and needed a solution that would allow for one simple payment every month. The good news?... He had a clean...

Overdue Tax bill

OVERDUE TAX BILL FINANCED WITH A SECURED LOAN A broker approached us with a client who needed funds to clear an existing second charge loan and pay a tax bill. The case was declined by a high street lender due to the high LTV (95%), the client's overdue tax bill from previous years and his...