Second Properties

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Second mortgages are for the purchase of a second property and are not the same as a second charge mortgage or remortgaging. Obtaining a second mortgage while paying off your first is considered riskier - and will require careful consideration. We can provide clarity to the situation and help you to take the next step up the property ladder.

Common Reasons to Buy a Second Property

  • Own a family holiday home
  • Help a family member get on the property ladder
  • Downsizing retirement plans for the future

First Mortgage Vs. Second Mortgage

The process of getting a second mortgage is not so different from the first. One aspect of the process which is likely to be different is the level of scrutiny that lenders will put on your finances. With two mortgages to pay, they will want to be 100% sure that you have the means to pay both mortgages without defaulting on payments. You may need to place a bigger deposit on a second mortgage.

All of these details can be discussed with us, so you fully understand the process of acquiring a second mortgage.

Our Are Of Expertise

Scott P.

Claire and the team have been absolutely amazing from start to finish can’t thank them enough ,  would highly recommend

Dan B.

I can’t say enough good things about my experiences with Claire Hogg Mortgages and Protection Company!!! We have had assistance from Claire and the team across multiple properties for a number of years and from start to finish, the team have always been knowledgeable, responsive, and genuinely invested in helping us secure the best mortgage for our situation. They explain every step clearly, answer all our questions promptly, and have made the entire process smooth and stress-free. I highly recommend them to anyone looking for a trustworthy and reliable mortgage partner, there’s absolutely no need to look any further! 
Thanks Claire & Team!

David B.

Can’t thank the team enough for sorting a mortgage and remortgage for me, made the process completely effortless, and will definitely be using again. I don’t often post reviews but credit where credit is due, highly recommended. Thanks

Karl K.

Highly recommend, especially as a first time buyer. They made everything seem easy. A very professional team. Informed me of everything they did. Would defo use again. Thank you.

Craig C.

Would definitely recommend this service as through our experience, they were just a call away to answer any questions we had and always put our best interests first. They kept us at ease as we were very nervous going through the house buying process but they always up to date and explained everything very well.

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    Claire Hogg Mortgages & Protection Ltd is an appointed representative of Quilter Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

    Registered in England & Wales No. 11826805. Registered address: Borough House Business Centre, 5 Borough Road, Richmond, DL10 4SX

    The guidance and/or Information contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.

    Approver Quilter Financial Services Limited 05/05/2026

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