Second Charge Watch: A flexible, inclusive approach Whether promoting diversity in the workplace or building new products, a different approach can help alter behaviour By Michelle Westley 17 th March 2021 10:13 am Last autumn, I wrote a number of articles in the trade press about research we had undertaken at Brightstar Financial among a group of more than 1,000 brokers. It found that 74 per cent did not talk about second charge mortgages while working on their clients’ purchase or remortgage, or indeed at any point during the term of their product. We looked at why brokers had still not engaged with the sector as they should have done and whether more education was the answer. However, the most common reason given by brokers for not talking about second charge mortgages was not that they didn’t have the right knowledge but that they did not have the time, or simply forgot.