A first mortgage and second mortgage have a primary element in common: They are both loans that are financed with your home as collateral. The term "first.

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Second charge mortgages are a secured loan, which means they use the borrower’s home as security. Many people use them to raise money instead of remortgaging, but there are some things you need to be aware of before you apply. You can find out about what a second mortgage is and if you can get one.

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Based on your entries, this is how many 40-hour work weeks it will take you to just to pay the second mortgage interest charges. Again, this does not include all of the 40-hour work weeks it will take you to pay for the down payment, first mortgage, and all of the upfront and ongoing costs that come with buying and owning a home.

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As the name implies, a first mortgage is a mortgage in the first lien position on the property that is secured by the mortgage. Typically the dollar amount of the first.

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A second mortgage is a lien on a property which is subordinate to a more senior mortgage or loan.Called lien holders positioning, the second mortgage falls behind the first mortgage.This means second mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages.

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So for some folks, a first and second mortgage may be necessary to get the job done, assuming loan limits are exhausted. Or two mortgages might just price out .