Access the equity you need while keeping your existing mortgage in place
Product Highlights
2nd Charge Bridging
A second charge bridging loan lets you unlock the equity in your property while keeping your existing mortgage in place.
Whether you’re raising funds for investment, business growth, or property improvements, they can be a good way to release capital - without giving up the terms of your first charge mortgage.
Interest rate: from 0.96% per month
LTV: up to 65%
Minimum loan size: £250,000
Maximum loan size: £4,000,000
Term: 3–24 months
Arrangement fee: up to 2%
Exit fee: None
Admin fee: Yes
Who’s it for?
A second charge bridging loan could be right for you if:
- You want to raise capital without remortgaging or disturbing your current mortgage deal.
- You’re a homeowner, landlord, or investor with equity tied up in your property.
Application process
Once you submit an enquiry we aim to issue indicative terms within hours. Upon acceptance, we move swiftly to underwriting, instruct valuation and legals in parallel, and maintain clear communication throughout. With a proactive approach and dedicated support, fast completions are possible: our fastest recent case was completed in 5 working days.
Get in touch at lendingteam@glenhawk.com
What you can expect from us
A partner that gets it
We understand what you need from a lender — clear communication, pragmatic decisions, and a focus on getting your deal over the line.
Lending with logic
Every deal is assessed on its merits, with experienced underwriters applying real-world insight to get your client’s project moving.
Some useful things to know
What is a second charge loan?
It’s a loan secured against your property in addition to your main (first charge) mortgage. Your current mortgage stays in place, and the second charge sits behind it.
What can I use the funds for?
Common uses include business investment, property refurbishment, tax bills, or buying another property. The loan must have a clear, agreed purpose.
Do I need to tell my current mortgage lender?
Yes. Your first charge lender must consent to us taking a second charge on the property.
What happens if I can’t repay at the end of the term?
It’s important to have a clear exit plan, such as refinancing or selling a property. If difficulties arise, lenders will work with you early to find solutions, but like any secured loan, your property is at risk if you don’t repay.
What people say about us
"We’ve built a fantastic relationship with the team at Glenhawk. They are a proactive lender, and the underwriting process is clear, consistent and straightforward. There is always someone available to speak with when needed. It’s a pleasure working with such a reliable and accessible lender."
Gurgit, BBA Finance
"Dealing with Glenhawk is straightforward, easy and pleasant. I relish the opportunity to submit an application to them and begin work alongside their 5-star underwriting team."
Fergus, Clifton Private Finance
“Fast funding, clear communication, and outstanding service. It was a smooth process from start to finish. I felt supported every step of the way.”
Laurence Mills, Sedulo
"The Glenhawk SRE team were genuinely commercial – they understood the nuances of the deal and built a structure around it rather than forcing us into a box. Their flexibility made the difference in getting it over the line."
Jon, MC Private Finance
"I’ve been dealing with Steve Wrigley at Glenhawk and I cannot stress how helpful and responsive he is. So helpful and swift to respond to any query/question. I would not hesitate to recommend Glenhawk."
Paul Patel, Faulkner O’Connell Financial
"We recently had the pleasure of working with Glenhawk and cannot speak highly enough of the experience—particularly working with Annaliese, who consistently impresses with her proactive, can-do attitude."
Melanie Johnson, Forecast Finance
"Glenhawk are a pleasure to work with – professional, reliable, and refreshingly straightforward."
Callum, Portway Finance
“Glenhawk have always really helped on deals placed, and have gone above and beyond to achieve the best result, in particular on our last completed deal, which was superb! Thanks all.”
Benjamin Carter, Affinity
"What stood out with Glenhawk SRE is the relationship. Chris and the team were approachable, transparent, and solutions-driven – you always feel they’re working with you, not against you, and that’s rare in today’s market."
Jeni Browne, MFB
"Always a pleasure working with Glenhawk - super straightforward, quick to respond, and genuinely supportive."
Chris, LDN Finance