Crossword Genius

To transfer extra, initially this restriction must be accepted (6,8)

Ross

I believe the answer is:

second mortgage

'initially this restriction must be accepted' is the definition.
Although both the answer and definition are singular nouns, I don't see how they can define each other.

'to transfer extra' is the wordplay.
'to transfer' becomes 'second' (I've seen this before).
'extra' becomes 'mortgage' (I am not sure about this - if you are sure you should believe this answer much more).
'second'+'mortgage'='SECOND MORTGAGE'

I've seen this clue in The Independent.
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