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Rhyw fath o 'ail forgais'. Dyma ddiffiniad y des i o hyd iddo ar y we "A secured loan is also known as a homeowner loan, a second charge loan (as a homeowner your loan will be secured on your property by means of a second charge loan. This loan will not affect your existing mortgage, therefore meaning that if your house is repossessed to settle the loan, you will still need to pay your mortgage payments), or a first charge loan (a loan that is secured against your property if you own it outright)." Gwefan yn yr UDA "A second charge is another term for a secured loan, or second mortgage. Any first mortgage or subsequent secured loan will be arranged by way of a legal charge that is secured against a property. On completion of a second charge loan, the lenders solicitor will make arrangements for the charge to be registered at the land registry department, following that of your first mortgage." - Gwefan yn y DU A fyddai'n iawn i mi ddefnyddio 'ail forgais' neu a oes term arall? Diolch ymlaen llaw Muiris