Access vital equity while protecting your client’s first charge
Product Highlights
2nd Charge Bridging
Sometimes opportunities can’t wait for a remortgage. Our second charge bridging loan give clients fast access to the equity in their property, without disturbing their existing first charge. Whether raising capital for investment, refurbishment, or business needs, we deliver a straightforward, dependable solution that puts speed and certainty first.
Interest rate: from 0.96% per month
LTV: up to 65%
Minimum loan size: £250,000
Maximum loan size: £5,000,000
Term: 3–24 months
Arrangement fee: up to 2%
Early redemption fee: None
Exit fee: None
Admin fee: Yes
Product resources
Who’s it for?
Designed for borrowers who want to unlock equity without refinancing, our second charge loans are ideal for landlords, and investors accessing funds quickly. They’re especially valuable when an existing first charge mortgage has favourable terms that clients don’t want to disturb.
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.
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
Find your Business Development Manager
Some useful things to know
What business purpose is acceptable for Glenhawk?
We support borrowers seeking capital for a wide range of business purposes. Common examples include raising working capital, purchasing equipment, expanding operations, upgrading assets, or buying out a business partner.
Are refurbishment works permitted?
Second charge equity can be used towards refurbishing another asset. However, if the property provided as security is undergoing refurbishment, we require a first charge.
Can Glenhawk take second charge security on commercial assets?
Glenhawk considers second charge lending against residential (C3 or C4) assets only.
Is second charge borrowing available as a revolving credit facility?
Our second charge loans must have a designated purpose and are available as one release of funding upon completion. We can arrange a new facility if further funding is required at another time.
Rate based on qualifying criteria including asset class, LTV, geography, borrower profile. For 2nd charge regulated bridging max term is 12 months. 24‑month terms only for non‑owner‑occupied/business‑purpose security (corporates/SPVs). Typical completion time 10–15 working days, subject to valuation, legals, borrower cooperation.