We secured a second charge loan across two separately titled BTL properties under one first charge, helping the client consolidate debt without disrupting their existing setup.
Our client owned two buy-to-let properties—built front and back, both on separate titles, but secured under a single first charge mortgage. They needed to raise £50,000 through a second charge loan to consolidate existing debt, but the structure posed a challenge: we needed a lender who could mirror the first charge setup and take both properties as security in the same way.
Many lenders would have found this complex, but Together Commercial handled it with ease. They were comfortable with the unique title structure and the combined security approach, enabling the second charge to be structured exactly as needed—across both properties under a single second charge.
The result was a smooth, efficient solution that helped the client consolidate their debts without disrupting their existing mortgage. A big thank you to Chris Evans and the team at Together Commercial for their speed, flexibility, and expertise on this deal.
