What is a second charge loan?

A second charge loan is secured against a property where a mortgage already exists. It allows borrowers to raise capital without remortgaging their first charge lender.

When is a second charge loan useful?

They’re commonly used when: • Early repayment charges make remortgaging expensive • Speed is required • Income has changed since the original mortgage • Capital is needed for business or investment purposes

Can second charge loans be used for commercial purposes?

Yes. Funds can often be used for business investment, property purchases, or working capital, subject to lender criteria.

Are second charge loans regulated?

They are regulated if secured against a residential property occupied by the borrower. Commercial and investment second charges are usually unregulated.

How quickly can a second charge loan complete?

Completion can take 2 - 4 weeks, depending on valuation, lender consent and legal work.

More Commercial | development finance

Specialist Lending

Who we are

At More Commercial, we help businesses and investors secure the funding they need to move forward with confidence. Whether you’re financing a new project, purchasing commercial property, or unlocking capital through a bridging or development loan, our team brings years of hands-on experience and a personal approach to every deal.

We believe specialist finance doesn’t need to be complicated. Our experts take the time to understand your goals, explore every option, and structure the most suitable lending solution — delivered with the same trusted service and attention to detail that our clients know from More Financial.

From commercial mortgages and second-charge lending to bridging and development finance, we work with a wide range of lenders to ensure you get the right terms, fast decisions, and a smooth process from start to finish.

With access to an extensive panel of trusted lenders, we handle every step of the process, from application to approval, delivering clear communication, competitive terms, and a seamless experience throughout.

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Who are we

Our Offerings

Self Build Or Development Finance

From small residential builds to large-scale developments, we’ll help you access the right funding to bring your project to life. Our experienced brokers work closely with specialist lenders to arrange flexible development and self-build finance that suits your timeline and cash flow.

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Bridging & Short-Term Finance

Need quick access to capital? Our bridging and short-term finance solutions are designed for speed and flexibility. Whether it’s to complete a purchase, unlock equity, or cover a temporary cash gap, we’ll connect you with trusted lenders and ensure a smooth, fast turnaround.

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Commercial Mortgage Advice

Get clear, expert guidance on commercial mortgages tailored to your business. Whether you’re purchasing a new property, refinancing an existing loan, or expanding your portfolio, our team will help you compare lenders, structure the deal, and secure competitive terms with confidence.

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