Expert Mortgage Advice & Second Mortgage Deals Suitable For You
Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find suitable second mortgage products.
No credit search conducted
Working with leading lenders ...
We work with high street and other lenders so you’ll get access to suitable deals that you may be able to apply for.
Why use us?
From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.
From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.
We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.
Reduced stress & time saving
Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.
Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.
Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…
“Did a great job helping us with our mortgage. I would recommend!”
So ... how can we help?
Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.
Find a suitable second mortgage deal when you have bad credit
Getting a second mortgage can be a good alternative to remortgaging or taking out an unsecured loan. However, like with securing any type of credit with a bad credit score, it can be harder to find lenders that will offer you a second mortgage. Thankfully, difficult does not mean impossible.
If you are a homeowner with equity in your property, you still could be eligible for a second mortgage even with bad credit. To increase your chances of finding a second mortgage with a bad credit deal and lender, speak to one of our expert advisers at Finance Advice Centre and we can help you with every step of the process and give you the best chance of a successful application.
Can I get a second mortgage with bad credit?
It is possible that you could be able to get a second mortgage with bad credit, but your success will depend on whether you have the help of a specialist bad credit adviser like our team. With the help of an experienced adviser, you will usually have a much better chance of securing a second mortgage as your adviser will be able to find the best deals from bad credit-friendly providers.
Most providers that are not on the high street will accept many types of bad credit events, like CCJs and bankruptcy, as long as you can pass their affordability test and have enough equity in your property. Finance Advice Centre are always on hand to discuss how you can get a second mortgage with bad credit if you need professional advice.
Our approach - and how we do it
We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!
One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.
Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.
Ready to assist you.
Choosing a financial product or service, such as a mortgage, remortgage, loan or insurance can be daunting and your choice is a decision you need to get right. For this reason, it is vital that you get impartial advice from competent and qualified advisors. Whether you are a first-time buyer, looking to remortgage, hoping to remortgage or even buy a property to let, needing a loan or insurance this is where our advisers excel.
Be reassured that our aim is to guarantee reliable financial advice appropriate to any individual that makes contact with us. Through our network of contacts, we have access to thousands of financial products, from mortgages to loans to insurance, so we are confident that we’ll find one to suit you.
Second mortgage with bad credit FAQs
Can I use a second mortgage for debt consolidation?
Consolidating your debts is a common reason why people seek to take out a second mortgage with bad credit. However, the credit will be secured with your property so the risk can be greater and should be thought about carefully.
What is a binding offer?
After you have received an offer for a second mortgage from a lender, you will have seven days to think about whether you want to accept it. During this time they are bound by the offer they have made and cannot change it.
How can I improve my chances of being approved for a second mortgage with bad credit?
One key thing you can do to better your chances of getting a second mortgage is increasing your credit rating. This can be done through actions such as registering on the electoral roll, paying your bills on time, checking for any mistakes or fraudulent activity on your file and more. Also, getting advice from a specialist adviser will help your chances of getting a second mortgage.
Do I need a second mortgage or remortgage?
If you are not sure whether remortgaging or getting a second mortgage is the right choice for you and your circumstances we recommend speaking to one of our advisers. They will be able to look at your personal financial situation and talk you through the differences between remortgaging and a second mortgage to offer you guidance on which route would work better for you.
As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home.
See what our customers think ...
I would highly recommend the mortgage advice service Alice Hale was amazing throughout she is a credit to your organisation and helped us secure our dream home
We had a long journey buying our first home together and recent pandemic events didn’t help matters. Every step of the way, our advisor Steve was supportive, positive and we had every confidence in him. He was able to arrange a good deal for us and we were able to move into our dream house this autumn.
I used George from the finance advice centre to get my mortgage, and he was nothing but amazing! Talked me through every step, always easy to get hold of ! And got me a brilliant product I would highly recommend him, just brilliant 5 stars from me
What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……
From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend
Let us do the work of finding your mortgage
We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.