Making your second home dreams come home

If you’re dreaming of owning a second home, it could be a more achievable goal than you think. Whether a second property would be useful during the working week or you want to use it as a retreat to escape to, it’s an aspiration many of us hold.

Securing a mortgage on a second home can be difficult, particularly if you’re still paying off a mortgage on your main property. But that doesn’t mean it’s impossible.

By approaching the right lenders for your circumstances, we’ll improve your chances of receiving the mortgage offer you need to purchase your dream home. By understanding lending criteria, we can secure you more competitive mortgage rates too. Whilst interest rates are generally low, even a small reduction can make your next property purchase far more affordable, leaving you with more capital to enjoy it.

We’ll be on hand to offer guidance throughout the mortgage application process too. You’ll need to clearly demonstrate that you’re able to meet the financial commitment that you’re hoping to take on. This can mean providing numerous documents to show your income and outgoings. Your Foster Denovo mortgage adviser can help here, speeding up the application for you.

There are other things to consider when purchasing a second home, such as stamp duty land tax and how it’ll affect you. This is an area where our mortgage advisers can offer you guidance too. We’re here to help you understand what your financial commitments would be if you decide to go ahead and purchase a second home.

Please contact our team to arrange a meeting with one of our mortgage advisers to discuss your mortgage needs.

Please note, if you’re hoping to let out your second home as a holiday let, a typical second home mortgage may not be right for you. Please contact our team to discuss your personal plans and needs.


Your home or property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice which will depend on the amount you are looking to borrow, your requirements and circumstances. The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages. Changes in the exchange rate may increase the sterling equivalent of your debt.

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