Decide first
Should you borrow against property for your business?
The questions worth answering before any paperwork: whether a second mortgage suits you, which property to use, who needs to agree, and how you'll get out again.
Should I use my house?
Should you use your house to fund your business? Five questions that separate a sensible second mortgage from a risky one, with an illustrative example.
Read more →Pros and cons
The real pros and cons of a business second mortgage: keeping your home loan intact and accessing equity, against higher cost, shorter terms and more at stake.
Read more →When not to
Seven situations where borrowing against your home for the business is usually a mistake, what each looks like in practice, and what to consider instead.
Read more →Choosing the property
Deciding which property should secure a business second mortgage: the family home, an investment property or commercial premises, and what each means for you.
Read more →Talking to co-owners
Your spouse or co-owner must sign a second mortgage for your business. How to have the conversation, what they'll want to know and why their say matters.
Read more →Guarantor property
Can a parent or relative's property secure your business loan? How guarantor second mortgages work, the risks for the guarantor and safeguards worth using.
Read more →Exit plan
A second mortgage exit strategy belongs in the plan from day one. How to choose sale, refinance or cash flow, add a fallback and track it while the loan runs.
Read more →Protecting the home
Practical ways to protect your family home when a business loan is secured on it: borrow less, keep a cushion, use another property and firm up the exit.
Read more →If things go wrong
What really happens when a business second mortgage can't be repaid on time: early warning signs, the options lenders consider, and how to keep control.
Read more →Without refinancing
Yes, a second mortgage lets you use property equity for business without refinancing your home loan. When keeping your first loan makes sense, and when not.
Read more →Weighed it up? Let's see if it stacks up.
One short enquiry about the property, the amount and your way out. No credit check at that first step, your details stay with one specialist, and you get a straight answer.
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