Borrowing more

Get extra money to do the things you want

Your Home may be repossessed if you do not keep up repayments on your mortgage.

Borrow more on your mortgage

If you need money to build an extension, make energy-related improvements or have some home repairs to deal with, then we’re here to help.

You could take out additional borrowing on your existing mortgage. If you’re looking for ways to get a some money for your next project, talk to us today.

We do not offer additional borrowing to Buy to Let customers.

If you want to move home and take your mortgage with you, visit our Moving with your mortgage page.

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The benefits of borrowing more

Special deals

Choose from special existing customer deals.

Early repayment charges and other fees and charges may apply.

Spread your repayments

Pay back your additional loan over a term that suits you. 

We offer terms from a minimum of 5 years to a maximum of 40 years.

Borrow what you need

Get up to 85% of the value of your home.

Energy-related improvements

If you’re borrowing more for energy-related improvements, at least half of the loan must be any of these:

  • Loft insulation (no foam spray)
  • Solid wall insulation
  • Cavity wall insulation 
  • Double or triple glazing to replace single glazing
  • uPVC external doors
  • Solar panels
  • A heat pump (ground or air).

The remaining half of the loan can be used for anything else.

Who can borrow more?

If you have an existing mortgage with us, you may be able to borrow more. There are just a few extra conditions:

  • If you’re borrowing more to pay for home improvements you might need to show planning approval for the work and estimates of the cost.
  • You need to have had your existing mortgage for a minimum of six months.
  • You need to have made all your repayments on time and you must not have any arrears.
  • You can borrow up to 85% of the value of your property.
  • You'll need to borrow at least £3,000.
  • We won’t offer you a loan if it’s for business purposes.
  • If you are borrowing for debt consolidation, you will need to contact your broker as this can't be done directly.
If your property was purchased under the Help to Buy Equity Loan Scheme and you still have an outstanding Equity Loan, different criteria applies. Please see our lending criteria for further information.
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How to borrow more

1

View our deals

Download our current deals for borrowing more.

2

Get in touch

If you know what you’d like to do, or if you’d like to chat about your options, our mortgage specialists can help.

3

Get your offer

Once you’ve submitted your application, we’ll check your credit file. 


If your loan is approved and you choose to go ahead, we’ll transfer the funds.

Important to know

  • To borrow more, you may need a new valuation of your property. We call this a revaluation. There is a £70 fee to pay for revaluations. This is non-refundable.
  • If you are borrowing more to buy a second home, you may need to speak to a conveyancer. 
  • If you want to add or remove someone from your mortgage, you will need to visit our Changing borrowers page.

Call us

Chat to our mortgage specialists about your options.

0345 1200 891

9am to 5pm Monday to Friday
9am to 1pm Saturday

Calls to 03 numbers are charged at the same rate as 01 or 02 from all phones.