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.
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.
The benefits of borrowing more
Special deals
Choose from special existing customer deals.
Early repayment charges and other fees and charges may apply.
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.
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).
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 or debt consolidation.
How to borrow more
View our deals
Download our current deals for borrowing more.
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.
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.
Chat to our mortgage specialists about your options.
0345 166 9301
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