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Broker Guide to Second Charge Mortgages

Here are some reasons to use a second charge mortgage:

  1. Early redemption penalties on an existing first charge mortgage
  2. Client benefitting from a current low standard variable rate or bank base rate tracker
  3. Interest only on current first charge mortgage
  4. Your client may currently have some form of impaired credit
  5. Employed with variable income or various income sources
  6. Self employed affordability and limited time trading

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