For business owner clients looking to raise capital or consolidate debt, a second charge loan can be a strong alternative to traditional commercial finance, particularly where the goal is to consolidate existing borrowing, improve monthly cash flow, or raise funds without disturbing an existing first charge mortgage.

While many commercial facilities are priced at 15-25% APR over 5 years, Selina’s second charge solution starts from 6.19% with terms of up to 30 years – helping reduce monthly repayments and improve cash flow.

This can work particularly well for clients who want to:

• Raise capital for business purposes
• Consolidate existing debts
• Fund home improvements
• Purchase investment properties
• Support tax bills or other large one-off costs
• Access capital where a remortgage may not be suitable

Why brokers use Selina:

• Loan amounts from £5k–£500k
• Up to 100% LTV
• Terms from 5–30 years
• Fixed and variable options available
• Fully digital journey
• E-signatures accepted
• Flexible use for personal or business purposes

If you have clients where a remortgage is not suitable, or where preserving the first charge rate is key, this could be a valuable option to consider. Please see our Product Guide for more information.

Leon Griffiths | Partnerships Lead : leon@selinafinance.co.uk  :  0203 984 7721

or contact the Specialist Placement Team place:  placement@connectmortgages.co.uk