Second charge mortgage leads for UK brokers
Pay-per-show second charge appointments. Homeowners raising money behind an existing mortgage, with the first-charge balance, property value and amount to raise on the card. £120 per show. Credits refund on no-show.
You buy a booked appointment, in a live calendar, with a diary entry on both sides.
- You buy a contact detail
- You cold-call to introduce yourself
- You chase for a date and time
- You pay whether they answer or not
- A lot of them never reply back
- You buy a booked calendar slot
- They picked the time themselves
- You turn up to the live meeting
- If they no-show, your credit refunds
- You only pay when they show up
- Arrives through our homeowner-loan and remortgage ads on Facebook or Google, asking about raising money against their home.
- Starts the qualifier. Homeowner status and an active first mortgage are checked first, so renters and unmortgaged owners drop out.
- Shares the amount they want to borrow, the term, and their property value.
- Confirms the outstanding first-charge balance and what the money is for.
- Shares income, employment, and roughly what they pay each month towards other borrowing.
- Passes our affordability and property-value checks (income ≥ £30k, property ≥ £100k, room on debt-to-income).
- Clears the credit screen with no recent CCJs, defaults, missed mortgage payments or payday loans.
- Confirms email and UK phone. Both validated.
- Books a slot in a live calendar and lands in your portal as a claimable appointment.
What is a second charge mortgage lead?
A second charge mortgage lets a homeowner borrow more against a property they already have a mortgage on, using a separate loan that ranks behind the first one. The existing mortgage is left completely alone, so the client keeps their current rate, term and lender. A second charge mortgage lead is someone in that position who has booked a call with a broker to arrange it.
On MortgagesBooked, a second charge lead owns a home with an active first mortgage, has told us how much they want to raise and what for, and cleared our affordability and property-value bar in the qualifier. Every appointment is exclusive to one broker. Claim it once and it's gone from the marketplace. It reaches you as a booked appointment in your calendar rather than a contact row pushed to your CRM, and you pay the £120 only when the applicant shows up.
What's captured on every second charge enquiry
Every second charge lead arrives with the numbers you need to size the case before the call:
- Homeowner with an active first mortgage. Renters and unmortgaged owners are filtered out
- Property value and postcode
- Outstanding first-charge balance, so you can gauge combined LTV
- Amount they want to raise and the term they're after
- Purpose. What the money is for, selected in the qualifier
- Income and employment status
- Credit profile. Clean, or a recent-issues flag
- Verified email and UK mobile. Both validated before release
- Appointment time booked in a live calendar
All of this is on the card before you claim. If the combined loan-to-value sits above your panel's limit, or the raise doesn't fit the equity, skip it. You only spend a credit on second charge cases you'd actually write. This is exactly how a second charge appointment looks in your marketplace:
Illustrative card, built from the real answer options the qualifier stores. The first-charge balance and amount to raise are captured before the lead is released, so you can size combined LTV. Name, email and phone stay hidden until you claim.
Why clients choose a second charge over a remortgage
The reason a second charge exists is that remortgaging is not always the right way to raise money. When it isn't, this is what the applicant is trying to solve:
- Protecting a cheap first-charge rate. A borrower on a low fixed rate loses it if they remortgage the whole balance. A second charge leaves the first mortgage in place, so the cheap money stays cheap.
- Avoiding early repayment charges. Redeeming a first charge mid-deal can trigger an ERC worth thousands. A loan behind it sidesteps that.
- Speed. A second charge typically completes in two to three weeks, against six to twelve for a full remortgage, because the first charge is untouched.
That framing matters on the call. The applicant has usually worked out that they want money without disturbing their main mortgage, so the conversation starts further along than a cold enquiry would.
What the money is for
Second charge borrowing splits by purpose, and the purpose is on every card so you can pick the cases that suit your panel:
- Debt consolidation. The largest slice by far. If this is the only side you want, our debt consolidation leads page covers that flow on its own.
- Home improvements. Extensions, loft conversions and renovations, where the client would rather borrow than move.
- Capital raising for other purposes. A tax bill, school fees, a deposit for another property, or general funds.
The second charge market in 2026
Second charge lending is running hot. According to Finance & Leasing Association figures reported by the trade press, the market lent £2.14bn in 2025, up 24% on the year and the highest since 2008. New business kept climbing into 2026, with first-quarter lending up around a third year on year. Debt consolidation drives most of the volume, at roughly 58% of new agreements, with cost-of-living pressure and borrowers protecting low fixed rates cited as the reasons behind the growth.
For a broker, that is a widening pool of applicants who need a product many advisers still treat as niche. Booked appointments let you take a share of it without building a dialling operation to chase raw enquiries.
Cost-per-lead providers vs pay-per-show
Most UK second charge and secured-loan lead providers sell on a cost-per-lead basis: a fee buys a contact record, delivered by email, CSV or API, and the phoning is on you. This is how that model compares with buying the appointment itself:
| Typical cost-per-lead provider | MortgagesBooked | |
|---|---|---|
| You pay for | A form fill or call-back request | An appointment that showed up |
| Typical price | £60–£110 per lead | £120 per shown appointment |
| If they never answer | Your loss; the lead is spent | No show, no charge: credit refunds automatically |
| Delivery | Email, CSV or API into your CRM | Booked slot in your live calendar |
| Exclusivity | Varies; some resell | Exclusive; one broker per appointment |
| Contracts & setup fees | Often minimum spends or campaigns | None. Credits, used when you claim |
Cost-per-lead works if you have a dialling operation that can hit a fresh lead inside five minutes, all day. If you're an adviser who wants conversations with people who've already booked in, pay-per-show removes the part of the job you didn't want. The wider market is on the lead generation companies comparison.
Conversion rates and what a second charge deal actually costs
Because you're buying appointments that showed up rather than raw leads, the maths is easy to run. Across our flow we generally see about one in three claimed appointments go through to an agreement in principle. At £120 per show, that works out to roughly £360 in lead cost per AIP. Brokers then close on average around half of those AIPs, so figure another 2x, about £720 in lead cost per completed case, or one closed deal for every six appointments you claim.
Second charge fees tend to sit higher than a standard residential remortgage, so the revenue per completed case usually clears that cost-per-deal comfortably. With a raw lead list you'd pay for names and chase contact rates first. Here the £120 sits against a call that's already happening.
Pricing and no-show policy
Sign up and your portal starts showing live second charge appointments that day, with the first-charge balance and raise on each card. Looking is free. Once a few days of flow has gone past and the mix matches the cases you actually write, load up a five-credit pack. Top up whenever you run through it. Credits are valid for six months from purchase.
The qualification layer behind every lead
What makes a second charge lead distinct is the product layer on top: the first-charge balance, the amount to raise, and the purpose, captured so you can size combined LTV before you claim. Underneath that layer, the same filtering runs as on every other lead type we sell. Our own ads. A qualifier that gates on homeownership, an active mortgage, property value and affordability. Email and phone validation before release. The deeper mechanics live on the lead quality page, and credit arithmetic on pricing. Most of these applicants are consolidating debt, so the debt consolidation flow sits right alongside, and the remortgage page covers the cases where redeeming the first charge is the better answer.