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Traditional, first charge mortgages are a very well-established concept and are the most commonly utilised secured loan in the UK. the basic premise is well understood, whereby borrowers secure a substantial loan against their property in order to finance the purchase. Should the borrower default on their repayments, the lender has the right to seize the property and sell it to recoup their losses.

However, there are a number of increasingly popular specialist mortgages available for a variety of purposes and specific borrowers. Some of the most popular specialist mortgages include second mortgages (What is the cost of clopidogrel) and bridging finance, both of which may only be used for limited periods of time and for specific purposes.

Furthermore, borrowers will need to take out these types of finance with specialist lenders, often via specialist brokers who will have exclusive access to the lenders.

How do Second Mortgages Work?

Second mortgages, also known as ‘second charge mortgages’ as their name suggests, run alongside a first charge mortgage on a property. The borrower and property owner will therefore have two mortgages at the same time and will need to be making two sets of repayments to keep up with their financial obligations in this respect.

Second mortgages are often utilised in cases where a property owner with an existing mortgage on the property in question needs additional funds but their current mortgage lender either doesn’t allow remortgaging or only does so with expensive early payment charges (source: Viagra generika ohne rezept günstig).

In such cases, rather than having to incur the costs of remortgaging, and so long as the borrower has acquired enough equity in the property, a second mortgage can be acquired, with the permission of the first charge lender. Then, once the early repayment charge period ends with the first charge lender, the borrower may remortgage their first charge mortgage, including the outstanding balance of the second charge loan, consolidating everything in to a single mortgage.

Second mortgages are most commonly used for debt consolidation, home improvements and renovations and for often, much-needed injections of funds for a business.

It is very important to remember that although these mortgages may be used for home improvements and property renovations, if you use the mortgage amount to change the purpose or nature of a property, such as to become a house of multiple occupancy (HMO) for rental purposes, you will still need to ensure you have Planning Permission and have satisfied the relevant parts of UK Building Regulations, including Approved Documents E, F, L pertaining to sound, air tightness and ventilation testing.

These mortgages will however, need to be acquired through a specialist lender as they are not routinely offered by high street lenders.

Bridging Finance Explained

Bridging finance, or ‘bridging loans’ are well-established as a form of specialist finance but do still need specialist lenders to fund them. These types of mortgages are designed to literally ‘bridge a gap,’ usually between property purchases, to help borrowers not miss out on a property.

For example, it is often the case that a homeowner needs to sell their current property in order to fund the purchase (or at least a proportion of it) of a new property, such as if they are looking to upsize. In these cases, if the sale of their property doesn’t go through, the borrower can be left unable to purchase the new property. Bridging mortgage provide the money needed to purchase their new property, whilst awaiting the sale of their former property.

Working Quickly to Bridge the Gap

Often, when it comes to property purchases and sales, particularly those where there are multiple parties interested it can come down to fine margins and who is the fastest to buy the property in question. With regards to needing bridging loans, if a homeowner has found a property they need to move to quickly, they may not be able to sell their existing property quickly enough.

In these cases, as the borrower has an ‘exit strategy’ (a strategy through which to pay off the bridging loan), they may reasonably apply for a bridging mortgage. Then, once they have moved to the new property and their existing one sold, they simply use the sale amount to pay off the bridging loan and then remortgage their property with a view to repaying the bridging lender.