---
title: Second Charge Finance | Clarendon Private Finance
description: Explore whether a second charge mortgage may release capital from your property while retaining existing first-charge finance, considering your wider position.
image: https://www.clarendonprivatefinance.co.uk/hubfs/raw_assets/public/clarendon-private-finance/assets/images/second-charge.jpg
---

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Second Charge Finance

# Property wealth, put to work

For clients with substantial property interests, the equity already held within a property can provide an important source of capital.

A second charge mortgage can allow you to release that capital while retaining your existing first-charge financing, providing an alternative to refinancing the whole property.

Clarendon Prime Finance advises clients on options for releasing equity from their property to pursue investment opportunities, support business interests or meet wider financial requirements. We work with lenders to explore suitable funding solutions that may allow existing financing arrangements to remain in place.

Drawing on more than two decades of property finance experience, we bring the knowledge and judgement to understand how this additional borrowing fits within your wider financial position.

![](https://www.clarendonprivatefinance.co.uk/hubfs/raw_assets/public/clarendon-private-finance/assets/images/second-charge.jpg)

## Capital for your wider ambitions

A second charge can provide access to capital without requiring an existing mortgage to be replaced.

Our experience includes financing for:

Property acquisitions and investment opportunities

Business investment and expansion

Development and refurbishment projects

Portfolio restructuring

Tax and other substantial financial commitments

Capital requirements linked to wider investment interests

We consider the purpose of the borrowing alongside your wider property interests, existing finance and financial position, allowing us to assess whether a second charge is the appropriate route for the circumstances.

## A flexible approach

There are circumstances where retaining an existing financing arrangement makes sense.

Whether it is the terms already secured, the structure of the existing borrowing or simply the desire to avoid unnecessary change, a second charge can provide access to additional capital without replacing the first charge.

We take the time to understand what is already in place and the reasons for retaining it, before considering whether a second charge is the appropriate way forward.

## Experience you can rely on

When finance is secured against a property that is important to you, experience and discretion matter.

With more than 20 years of experience in specialist property finance, the team at Clarendon Private Finance bring a depth of knowledge that allows us to understand the wider circumstances behind each requirement and provide advice with confidence.

You have a direct relationship with an experienced adviser throughout, with continuity from the initial conversation through to completion and the reassurance that your circumstances are being handled with care and discretion.

## Capital without disruption

Where your property holds available equity, a second charge may provide a way to access that capital while preserving the financing already in place.

If you are considering raising capital for an investment, business or other significant financial requirement, we would welcome a confidential conversation about your circumstances.

## Discuss your requirements

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Clarendon Private Finance is a mortgage intermediary and not a lender; the firm acts for the benefit of its customers to organise applications to mortgage lenders. Clarendon Private Finance achieves this by researching the relevant mortgage market to assess available loans that meet the financial needs and objectives of our customers and arranging for an application to be submitted to the chosen lender in order to effect the drawdown of mortgage funds secured against a UK property. Clarendon Private Finance is not tied to any one mortgage lender but can research a wide variety of lenders, In certain circumstances we are able to research the whole of market while in other cases it is against a panel of lenders; details of our scope will be provided at initial engagement, Clarendon Private Finance receives a commission payment for any loan we submit to a lender that results in a drawdown of funds; specific details on the amount and basis of commission will be disclosed at our initial engagement as well as via the mortgage contract offer or facility letter. Clarendon Private Finance is a trading name of Aria Finance Limited. Aria Finance Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 302964). Certain types of loans are not regulated, for example loans for business purposes or certain buy-to-lets. Registered in England and Wales. Registered office at The Edward Hyde Building, 38 Clarendon Road, Watford, WD17 1JW. Company Number: 04440152.

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