Loans Warehouse and Scroll Launch Guide to Unlock Buy-to-Let Second Charge Market

25 March 2026

Loans Warehouse was recently announced as the relaunch broker for second charge lender, Scroll Finance, today they have announced a new initialtive 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.

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. Loans Warehouse understands this space and has the expertise to help brokers identify where a second charge is the right solution for their clients. We’re pleased to be working together with Loans Warehouse to bring this opportunity to a wider audience.”

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, despite significant untapped equity across portfolios.

Alongside this, the guide provides a detailed 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, 2- and 5-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.

The guide also highlights key elements of Scroll’s criteria and approach, including:

Lending based on rental income using DSCR (typically 125%, 160% for HMOs)
No minimum personal income requirement
Acceptance of portfolio landlords, limited companies and SPVs
Up to 10 properties used as security under one loan
HMOs accepted (up to 6 beds)
No stress test applied to the existing first charge mortgage

The full guide can be read here https://loans-warehouse.paperturn-view.com/btl-second-charge-guide?pid=ODk8936486&p=6

The partnership comes as Loans Warehouse continues to see strong success with Scroll in the buy-to-let second charge market, including a recent completion which demonstrated both lender appetite and borrower demand. In this case, Loans Warehouse arranged a £25,000 second charge for home improvements on a buy-to-let property, enabling the customer to raise funds without impacting their existing NatWest mortgage.

Commenting on the partnership, 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. With pricing starting from 6.65% and a genuinely flexible proposition, we’ve already seen great success working with Scroll. This latest completion shows exactly why we believe there is a real opportunity to raise awareness and drive adoption across the broker market.”