Loans Warehouse has announced a new initiative with Scroll Finance to increase awareness of buy-to-let second charge mortgages, launching with a co-branded broker guide designed to educate intermediaries on the growing opportunity in this space.
The guide highlights how landlords can unlock equity from existing properties without disturbing their first charge mortgage - an increasingly valuable option in a higher rate environment where many borrowers are reluctant to refinance.
The guide outlines a wide range of use cases for second charge lending, including property refurbishments, EPC and energy efficiency upgrades, raising deposits for further acquisitions, portfolio restructuring, tax liabilities, debt consolidation and broader business funding needs. It also highlights the scale of the opportunity, with the UK second charge market reaching £2.14bn in 2025, yet less than 5% currently serving buy-to-let landlords.
Alongside this, the guide provides an overview of Scroll’s product proposition, with rates starting from 6.65%, lending up to 75% LTV, and loan sizes ranging from £25,000 to £1 million.
Products include standard home equity loans with variable, two and five-year fixed options, as well as Scroll’s 'flexi-fixed' solution, which aligns the fixed period to the end of the borrower’s first charge. A 12-month revolving HELOC is also available for landlords requiring flexible drawdown for staged projects, alongside multi-property loans allowing borrowing across up to 10 properties within a single facility.
Matt Tristram, co-founder of Loans Warehouse, said: “We’ve launched this partnership with Scroll because there is still a huge untapped market for buy-to-let second charge loans. Too many landlords and brokers overlook the flexibility these products can offer, whether for improvements, EPC works, business purposes or portfolio growth, all without losing a competitive first charge rate.”
John Webb, head of lending at Scroll Finance, added: “Buy-to-Let second charge lending remains one of the most underserved areas of the mortgage market, and working with specialist distributors like Loans Warehouse is key to changing that. Many landlords are sitting on significant equity but are understandably reluctant to give up a favourable first charge rate in today’s environment. Our products are designed to solve that problem, giving landlords access to capital quickly and simply, without disrupting what’s already in place. We’re pleased to be working together with Loans Warehouse to bring this opportunity to a wider audience.”
