Central Trust Second Charge Mortgage
MortgageAPR
9.69–13.1%
Amount
£10k–£250k
Term
36–360mo
Best for: Homeowners with various income sources who need significant funds for home improvements or debt consolidation.
APR
9.69–13.1%
Amount
£10k–£250k
Term
36–360mo
Best for: Homeowners with various income sources who need significant funds for home improvements or debt consolidation.
APR
5.89–8.05%
Amount
£5k–£500k
Term
60–360mo
Best for: Homeowners with good equity and credit scores looking to consolidate debts or finance renovations.
APR
6.39–8.37%
Amount
£5k–£500k
Term
60–360mo
Best for: Homeowners with significant equity seeking flexible financing options without remortgaging.
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Amount
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Term
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Best for: Landlords needing renovation finance with fast turnaround.
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Amount
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Term
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Best for: Landlords with complex income or non-standard properties who struggle with mainstream lender criteria.
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Amount
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Term
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Best for: Professional landlords with complex property portfolios needing specialist underwriting through a broker
APR
3.47%
Amount
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Term
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Best for: Rate-conscious BTL landlords wanting the lowest possible fixed rates
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Amount
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Term
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Best for: Landlords wanting a specialist BTL lender with the backing of a major financial group (OSB)
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Amount
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Best for: Landlords who don't fit mainstream criteria and need a flexible challenger bank approach
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Amount
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Best for: Landlords wanting BTL mortgage security from a major building society rather than a smaller specialist
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Amount
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Best for: Landlords needing higher leverage or complex BTL structures, especially portfolio landlords and limited companies
APR
3.54%
Amount
—
Term
—
Best for: Rate-sensitive BTL landlords, especially limited company borrowers wanting the cheapest fixed rates
APR
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Amount
—
Term
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Best for: Landlords wanting a fast, fully digital BTL mortgage process from a proven specialist
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Amount
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Term
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Best for: Landlords with complex circumstances needing a specialist lender that assesses cases on merit rather than ticking boxes
APR
9.96%
Amount
—
Term
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Best for: Landlords needing short-term finance for property renovation, refurbishment, or quick property purchases
APR
4.5%
Amount
—
Term
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Best for: Experienced landlords wanting a BTL lender with decades of specialist experience and support for all property types
APR
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Amount
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Term
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Best for: Landlords wanting a reliable BTL specialist with fast turnaround times and Starling Bank backing
APR
4.79%
Amount
—
Term
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Best for: Professional landlords and portfolio investors needing a lender that can scale from small BTL to multi-million pound portfolios
APR
4.29–6.69%
Amount
£25k–£1M
Term
60–420mo
Best for: Shared ownership buyers and those purchasing new-build properties who want a mutual lender with specialist expertise.
APR
4.34–6.49%
Amount
£25k–£2M
Term
60–480mo
Best for: Borrowers who want face-to-face branch support alongside competitive rates from the UK's largest banking group.
APR
4.19–6.29%
Amount
£25k–£5M
Term
60–420mo
Best for: Tech-savvy borrowers who prefer a slick online process with competitive rates and green home improvement options.
APR
4.39–6.49%
Amount
£25k–£2M
Term
60–480mo
Best for: First-time buyers and home movers who want hands-on mortgage advice and a clear view of their application progress.
APR
4.24–6.54%
Amount
£25k–£2M
Term
60–480mo
Best for: Borrowers who value a mutual lender, especially those buying energy-efficient homes or who prefer a building society over a bank.
APR
4.19–6.39%
Amount
£5k
Term
60–480mo
Best for: Borrowers seeking top-tier rates, especially those with larger deposits or higher-value property purchases.
APR
4.34–6.59%
Amount
£25k–£2M
Term
60–480mo
Best for: First-time buyers who need family support to get on the property ladder, or home movers wanting a reliable high street lender.
APR
4.29–6.49%
Amount
£25k–£5M
Term
60–480mo
Best for: Borrowers with a 25%+ deposit looking for competitive high street rates with the security of a major bank.