Explore the best mortgage, remortgage, and equity release options for unencumbered properties. Turn your property’s value into real financial flexibility.
Explore the best mortgage, remortgage, and equity release options for unencumbered properties. Turn your property’s value into real financial flexibility.
If you’ve already paid off your mortgage or bought your home outright, you may be sitting on a valuable financial opportunity. With an unencumbered mortgage, you can raise funds by borrowing against your property—whether for home improvements, investing, helping family, or consolidating debts.
At Charwin Mortgages, we help clients get a mortgage on a property they already own, offering access to high street lenders and specialist providers. You can choose to remortgage your unencumbered property, explore equity release on a mortgage-free home, or arrange a secured loan on your unencumbered property.
We work with homeowners across the UK to make the most of their unencumbered homes. Whether you need to release cash, raise capital, or simply explore your options, our expert team will guide you through every step.
Use our Unencumbered Mortgage Calculator to see how much you could borrow and find the best solutions for your situation today.
Raise Money on a Mortgage-Free House - Secure fast, flexible finance by borrowing against a property you already own outright.
Unencumbered Mortgage Specialists - We help homeowners access the best lending options for unencumbered properties, whether for home improvements, investments, or personal needs.
Flexible Remortgage & Equity Release Options - Choose from interest-only, repayment, lifetime mortgage, or secured loan options tailored to your goals.
Fast Decisions & Competitive Rates - Access market-leading interest rates and quick approvals from high street and specialist lenders.
Expert Advice, Every Step of the Way - We guide you through the process of raising capital against your home—even if it’s mortgage-free.
Access Up to 85% of Your Property’s Value - Borrow a lump sum or structured finance based on your home’s equity with no current mortgage in place.
Speak to Charwin Mortgages Today – Get Expert Advice on Unencumbered Mortgages.
As one of the UK’s leading brokers for unencumbered mortgages, remortgages, and equity release, we help homeowners unlock the full value of their mortgage-free properties.
We're here Monday to Thursday, 9am - 7pm (4pm on Friday).
Charwin Mortgages is a trading style of Charwin Private Clients who are authorised and regulated by the Financial Conduct Authority (498486). Registered in England No: 06628612.
Registered address is Holland Court, The Close, Norwich, NR1 4DY.
Your consultation is obligation and cost-free, as is looking at any recommendation we may offer.
This site is only directed at persons within the UK.
At Charwin Mortgages, we understand that owning your home outright gives you serious flexibility—but unlocking that value can feel complex.
That’s why we’ve created our powerful unencumbered mortgage calculator to help you instantly see how much you could borrow on a property with no mortgage.
Whether you’re asking:
- our tools give you clear answers in seconds, without affecting your credit score.
Your borrowing potential depends on several key factors, including:
Our calculator shows you real-time borrowing potential for:
With our soft-search tool, you can check whether you’re likely to qualify without leaving a mark on your credit file.
Why Use Our Unencumbered Mortgage Calculator?
Tell us about your income, existing debts, credit history, and the property you own outright.
See how much you could borrow and whether lenders are likely to approve your application.
Our experts will help you find and apply for the right product—whether that’s a remortgage, capital raise, or equity release on your mortgage-free home.
You can take out a new mortgage, secured loan, or equity release product. Our calculator helps you compare options quickly.
Yes. This is called an unencumbered mortgage. You may qualify for borrowing based on your income, credit score, and property value.
It can be either. Our tool shows both standard remortgage and equity release options based on your age, needs, and loan type.
Yes. Many specialist lenders offer mortgage-free property loans for applicants with past credit issues. Our calculator factors this in.
Up to 85% of the property value, depending on your circumstances. The calculator gives you a personalised estimate instantly.
Whether you're planning home improvements, consolidating debt, or simply unlocking the value in a mortgage-free home, our calculator helps you find out what’s possible—quickly and risk-free.
At Charwin Mortgages, we make it simple to apply for a mortgage on an unencumbered property.
Whether you're looking to raise capital, release equity, or simply want a flexible loan secured against your mortgage-free home, our step-by-step process is designed to be clear, fast, and completely tailored to your needs.
Anyone who owns their home outright can apply for an unencumbered mortgage. Whether you’ve inherited the property, paid off your original mortgage, or purchased it in cash, we can help you access finance — even if you have:
Our panel includes high street and specialist lenders offering competitive terms for both prime and adverse credit borrowers.
Our application process is streamlined to reduce stress and deliver fast outcomes — without unnecessary paperwork or delays.
Get instant insights into how much you could borrow and whether you’re likely to be approved — all with no impact on your credit file.
One of our specialist advisers will talk through your objectives — whether that’s home improvements, debt consolidation, gifting to family, or investment purposes.
Based on your credit profile, income, and property value, we’ll match you with lenders offering the best rates and terms for unencumbered mortgages.
We’ll prepare and submit your application, including all supporting documents such as proof of income, ID, and property title details.
The lender will review your application and may conduct a valuation of your property to confirm its current market value.
Once approved, you’ll receive your mortgage offer, and your solicitor will handle the legal work for funds to be released — often within 2–3 weeks.
To apply for an unencumbered mortgage, you’ll usually be asked for:
Don’t worry — we’ll guide you through every requirement and handle the entire process for you.
Whatever your goal, we’ll help you unlock equity from your unencumbered home in a way that suits your life.
If you're asking, “Can I get a mortgage if my house is paid off?” – the answer is yes. With Charwin Mortgages, you’ll get expert support, transparent guidance, and access to the best unencumbered mortgage products in the UK.
Apply online now or speak to one of our friendly advisers to start your journey.
Charwin Mortgages - Your Trusted Mortgage Partner
Discover the Charwin difference and embark on a journey towards financial empowerment with Charwin Mortgages, a beacon of excellence under the prestigious Charwin Private Clients umbrella.
Since our inception in 2009 and based in Norwich, Charwin has been on a solid growth trajectory, fuelled by our unwavering commitment to quality over quantity. Our comprehensive service is designed to cater to your every need, whether it's securing your dream home, navigating the complexities of impaired credit lending, exploring lucrative buy-to-let opportunities, delving into commercial lending, bridging finance, or ensuring you're protected with the right insurance.
At Charwin, we go beyond the basics to ensure your financial well-being is safeguarded, within a budget that makes sense for you.
Our passion lies in empowering individuals who find themselves trying to navigate challenging mortgage situations. A group we're especially fond of assisting are those with poor or adverse credit files, or credit impairment such as CCJs, defaults or missed payments.
Nothing feels better for our team than turning a bad credit situation into a success story. No matter what your credit history, we don't just welcome you; we excel in turning your mortgage ambitions into reality.
At the heart of Charwin Mortgages is our relentless pursuit of excellence for every customer. This is achieved through our dedication to ensuring every member of our team is not just well-trained but excels in their role, embodying competence, and professionalism.
Our continuous journey of improvement is marked by significant investments aimed at enhancing your experience with us.
We're innovating ways to engage more effectively, such as our market leading eligibility calculator, then providing timely and relevant information, and of course, our mortgage recommendations.
No matter your financial goals or challenges, Charwin Mortgages is here to guide you through. Our door is always open to help you realise your ambitions, underpinned by a foundation of trust, excellence, and service.
Start your enquiry today and take the first step towards a brighter, more secure financial future with Charwin Mortgages – where your mortgage aspirations become a reality.
Welcome to the most straightforward way to understanding your mortgage options in the UK.
Our advanced calculators use real lender data to provide you with accurate, personalised insights into your mortgage eligibility, maximum borrowing capacity, and affordability.
Whether you're purchasing a new home or considering a remortgage, our tools are designed to empower you with knowledge based on current market conditions.
Understanding your mortgage options shouldn't be complicated. We’re here to make mortgage eligibility and borrowing capacity transparent and accessible to all, regardless of your credit history.
By leveraging real-time UK lender data, we aim to ensure that the information you receive is not only accurate but should be achievable.
Take the first step towards securing your mortgage. Use our calculators today to unveil the possibilities and plan your next move with confidence.
Check your eligibility and discover how we can help you unlock your mortgage options. It's free, fast, and fully confidential – only enquire to us if you want to.
Ready to take the next step? Once you have your results, proceed with your enquiry and get full transparency and support from our expert team of brokers, who’ll get you the best rates and mortgage funding available to you.
We look forward to helping.
Remortgaging is the process or switching your mortgage to another lender.
Our remortgage service is comprehensive and considers what your existing mortgage lender will offer compared to the rest of the market. Where your existing provider is the best option, we will make the switch for you, free of charge.
Many customers use remortgaging for additional borrowing, whether that is to consolidate other debts to reduce overall monthly outgoings, raise capital for home improvement or release equity for a deposit for an investment property (Buy to Let).
Whatever you are looking to do, we are best placed to help. Charwin Mortgages have unlimited access to the mortgage market, from the well-known lenders to smaller provincial Building Societies, private banks, and specialist lenders that most brokers don’t ever consider.
And can help with all types of borrowing needs too. We can help raise mortgage funding up to 100% of your property value as well as help people with less than perfect credit profiles and borrowing for more unusual projects.
Welcome to Charwin Mortgages.
Secured Loans are used by many people as an alternative to remortgaging. Secured Loans are also known as Homeowner Loans or Second Charge Mortgages.
Secured Loans are a specialist form of lending that most brokers in the market don’t consider or have access to. We have one of the largest Secured Loans panels in the UK so have the ability to help almost anyone.
They are particularly helpful for people who wish to preserve good mortgage terms rather than remortgage to raise additional capital, applicants with poorer credit profiles wanting to raise money where the mortgage market fails to offer good terms, or those wanting to borrow higher proportions of their property value.
We can also help where the purpose of raising funds is more unusual, things such as business purposes, where the mortgage market generally will refuse to lend.
We always look to the mortgage market first. If this fails or is not the best advice, we will then look to the secured loan market to help.
Our success rate is very high, and we manage the whole application process from start to finish, ensuring the transaction is smooth, organised and cost effective.
1 in 3 customers we speak to are looking to consolidate debts amongst other things. It is a very popular and common action to take, resulting sometimes in dramatic reductions in monthly outgoings.
Some people are of the view that consolidating debt means that you pay back more over the longer term. This as a maths exercise may be true, however the total to repay is not the only consideration.
We need to get through month to month and keeping costs down and more manageable when everything around us is increasing is a lifestyle decision most of us face.
We take a balanced view on debt consolidation. We know that credit cards are tough to repay, in fact they are that way by design.
The example below demonstrates this. If the customer stopped using the card altogether and maintained the minimum payments, you can see just how long the account takes to repay.
| Credit Card Balance | £9,000 |
|---|---|
| Interest Rate | 21.9% |
| Minimum Payment | £190 |
| The account will take 9.21 years to repay. | |
| The interest will be £11,996.53 over this period. | |
If debt consolidation is on your agenda, or perhaps just thinking about it, our advisers are ready to find the best ways to restructure your debt whilst paying it off in the fastest and most efficient manner.
If you have missed payments due to your monthly debt burden, have defaults or CCJS, we can still help. Our expert advisers are ready to discuss your best options.
1 in 2 people who enquire to us are looking to borrow additional money through their mortgage for planned home improvements. These vary from kitchen and bathroom replacements to more elaborate extensions.
Customers who improve their property naturally benefit from the lifestyle enhancement they provide as well as adding value to their homes. Adding value reduces your overall loan to value and can allow you to obtain better mortgage rates.
Spreading the cost of larger works on your property like extensions makes many projects achievable where the unsecured route would be prohibitive due to monthly cost.
Some customers wish to raise additional capital for reasons other than debt consolidation or improving their homes.
One of the most common reasons is deposits for first or additional investment properties. More recently, the availability of perhaps more profitable holiday let mortgages has seen a surge in activity.
Most legal purposes can be considered, and our advisers are ready to present you with the most cost-effective options.
We take your privacy seriously and are committed to processing your information lawfully. We know that there’s probably other things you would rather be doing but recommend you read this carefully so you understand how we process your information and your rights.
This privacy notice tells you about the information we collect from you when you engage with our financial services. In collecting this information, we are acting as a data controller and, by law, we are required to provide you with information about us, about why and how we collect, store and use your data, and about the rights you have to control our use of your personal data.
Charwin Private Clients Limited (also trading as Charwin Secured Loans, Charwin Deposit Plus, Charwin Mortgages, Charwin Bridging, Charwin HELOC and Charwin Buy to Let) is registered in England (Company number 06628612). We are directly authorised and regulated by the Financial Conduct Authority (“FCA”) and our firm’s registration number is 498486.
Our registered address is Charwin Private Clients, Holland Court, The Close, Norwich, NR1 4DY. You can visit our website at www.charwinprivateclients.co.uk.
You can contact us by post at the above address, by email: customerservices@charwinpc.co.uk or you can call us on 01603 216881.
To provide our core services (advising and arranging a mortgage or insurance contracts) we are required to collect a range of information about you and your immediate family. We will keep this to a minimum where possible but sufficient to fulfil our obligations to you. We will collect required information such as:
Personal details such as names (including children), nationality, address and address history, email, telephone numbers, employment information, banking and credit commitments, financial dependents, general household expenditure, future plans and aspirations and product preferences. How you answer these questions will determine what other questions we ask as different lenders have different eligibility criteria.
Mortgage lenders are data controllers and have their own privacy notices. Many lenders automatically profile your information against their lending criteria and against Credit Reference Agencies as soon as your information is forwarded to them to provide lending decisions. This may affect your credit score. We will never supply this information without your prior agreement to do so.
We will also retain documentary evidence on file to support any applications such as copies of passports or photographic drivers licence (ID and signature verification), payslips or accounts (income verification), bank statement (proof of affordability) and any other related items as required from time to time.
We require this information as part of our “know your customer process” that allows us to deliver the best advice given your situation.
For life or health related insurances we will need to collect special category data. You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for legitimate purposes. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary.
In most cases you will provide the information mentioned above as you want to use our services. The purpose for which we use this information and the legal basis under data protection law is as follows:
We collect this information as is in our Legitimate Interests or that of a third party to provide advice and make personal recommendations and subsequent processing of applications. This means that we will use your information as you would reasonably expect it to be used. It will also have minimal impact on your privacy whilst preserving your overall rights. You can withdraw from any process at any time.
Once a recommendation for a mortgage or insurance product has been made, we will need to pass your personal data to third parties. This is done to fulfil our contractual obligations. This may include:
Mortgage lenders to agree a mortgage in principle or apply for a proposed mortgage,
Secured Loan lenders to agree or apply for a proposed secured loan,
Insurance Companies to provide quotations for home insurance or landlords insurance, life insurance, critical illness cover or income protection,
Credit Reference Agencies who will provide copies of your credit file, verify identity and fraud prevention
Solicitors acting for you as part of a mortgage process,
Estate Agents who are acting agents for a related property purchase or sale,
TrustPilot to collect reviews on our service and gain feedback
Lead Suppliers is your information was introduced to us by a third party
Marketing Partners who advertise our services, run or otherwise facilitate our financial promotions
Twenty7Tec whose mortgage sourcing software we use
Financial Ombudsman Service or Financial Conduct Authority where they request this to resolve complaints or in connection with their duties.
This is necessary to advance your applications and provide our services.
We do not sell any of your information to external companies.
We may use your information to communicate relevant or related products or services that Charwin Private Clients offer and we would reasonably expect you to be interested in.
Your information is stored on secure servers located within the EU.
We understand how important it is to keep your personal information secure. We use a variety of technologies and procedures to protect your personal information from accidental or unlawful breaches of security. These include physical, organisational, and technological measures.
All information we process is encrypted in a variety of ways so that your personal and financial information is secure.
When we share your information with third parties to carry out some of our services, including lenders and insurers amongst others, we require every third party that we share information with to apply appropriate security safeguards and comply with all the required laws and standards for protecting personal information.
We only keep your information for as long as we need to.
If you become a client of a lender/insurer as a result of the advice we provide to you, we will keep a full record of your interactions with us for your lifetime plus a reasonable period to enable us to meet our regulatory obligations to evidence we gave suitable advice and to enable us to answer any complaints that may arise as a result of our advice. In practice this means that we will keep your records for no longer than 100 years after you last transact with us.
If, as a result of our advice, you make an application to a lender/insurer but do not ultimately become a client of that institution, we will keep a full record of your interactions with us for 6-years to meet our obligations under UK Money Laundering regulations.
If we provide you with advice on a financial product, but you do not engage our services to make an application to a lender/insurer, we will keep a full record of your interactions with us for 3-years, to enable us to meet our regulatory record keeping obligations regarding evidencing suitability of our advice.
If we collect personal information from you, but are unable to provide you with suitable advice, then we will keep a full record of your interactions with us for 1-year to facilitate an easier interaction between us if you re-engage our services within this period.
If you request we contact you in relation to our service by providing us with your name and a contact method (e.g. phone, email) through an enquiry form (either on our own, or a 3rd party website) we will use our best endeavours to contact you as soon as possible. If we are unable to contact you, we will retain this information for a period of 90-days from the time we de-activate your information from our database, to ensure we can fulfil our contractual obligations to our lead partners.
Your right to be informed
This privacy notice is part of the process where you have the right to be informed.
You have the right to be informed in a concise, transparent, intelligible and easily accessible way about how we use your personal information. We will explain why we need information (including any uses that are not obvious) at the time we collect information from you and make sure that all our data collection forms and letters point you to this Privacy Notice.
Your right of access
You have the right to obtain confirmation that your data is being processed. You also have the right to access your personal data and to verify the lawfulness of processing.
Any request is free of charge however we may charge a reasonable fee if the request is excessive. We may also charge if subsequent requests are made for the same information.
We will ensure that any data subject access request is provided within one month of receipt.
We will need to verify your identity as part of this process using reasonable means. Generally, this is by letter or electronically by email.
Your right of rectification
You have the right to have any inaccurate information corrected or completed if incomplete. This request can be made in writing or verbally.
We will correct any data we hold within one month of being notified. We will not charge to amend or correct your data unless it is excessive.
We may need to verify your identity to make the requested changes.
If we have provided this information to other parties, we will contact each of them individually to update their records of your data.
Your rights to erasure
You have the right to have your personal data erased. This is known as your right to be forgotten. Such a request can be made either verbally or in writing.
We will respond to any request within one month of receipt of the request.
In some circumstances, we can refuse to erase personal information if it forms part of a legal obligation. For example, if you complete a mortgage using our service, the FCA require us to maintain a record for 7 years from the date of the transaction. In such circumstances, you can exercise your right to restrict processing (see below), including marketing activities. Once the 7 years has elapsed, your data will be erased.
We will not charge a fee for erasing your data. We will also need to verify the identity of each of the individual persons exercising the right to be forgotten.
Your right to restrict processing
You have the right to request that we restrict or stop using your personal information. We may continue to store the information but will stop using it.
Your request can be made verbally or in writing and will be responded to without undue delay and no later than one month from the date of the request. In the event of a complaint, this restriction will continue until the matter concerned is fully resolved.
Data Portability
You have the right in some circumstances to have the data you have provided to us sent to you or provided to another person or business in an electronic machine-readable format. Where this applies we will download the information and send it as a Microsoft Excel file.
Rights to object
You have the right to object to your personal data being used. If you wish for us to stop using your personal data we will do so without undue delay.
Rights in relation to automated decision making and profiling
This right only applies where a decision which has a legal or similar effect is DECISION MAKING taken about a person by automated means without any human intervention.
Where such decisions are made individuals have a right to ask for the decision to be reviewed and the data controller must make sure appropriate safeguards are in place. However, Charwin Private Clients does not make automated decisions about any of its clients.
If you have a complaint about our use of your information, you can contact the Information Commissioner’s Office via their website at www.ico.org.uk/concerns or write to them at:
Information Commissioner's OfficeWe will continuously refine this Privacy Notice to make sure we are complying with our obligations to be transparent about how we use your personal information and that it is as concise, transparent, intelligible and as easily accessible as it can be. However, if we make any changes to how we process your personal information in ways that you would not reasonably expect, we will contact you and bring these changes to your attention.