Looking to make some home improvements or to make that special purchase? If you have had a mortgage with us for more than 6 months you could apply to borrow more on your existing mortgage.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We'll make no charge for the valuation, however there may be a product fee to pay, depending on the mortgage you choose. Depending on your reason for additional borrowing, there may be legal fees to pay.
At the end of your additional borrowing deal, your interest rate will automatically change to the Homeowner Variable Rate, or Buy to Let Variable Rate.
We will provide advice on whether additional borrowing is suitable for you. We'll take a look at your circumstances and let you know whether additional borrowing is suitable for you. For additional borrowing on a Buy to Let, this will be conducted on a ‘non advice’ basis.
If any of your existing mortgage is on an interest only basis you will need to provide us with evidence of your repayment plan(s), even if your additional borrowing is to be managed on a repayment basis. We will make an assessment of whether the repayment plan(s) meets our requirements. This includes checking to see whether it is likely to repay the amount you borrow on an interest-only basis.
Please note: Repayment plans cannot be accepted if they include the name of anyone not named on the mortgage.
Choose a deal from our additional borrowing range
If your existing mortgage is on an interest only basis, or you're considering interest-only options, see our guide to
What are my options when repaying my mortgage?
If you'd like to switch your existing mortgage to a new deal and borrow more at the same time, choose a deal from our switching range, then a deal from our range for existing customers borrowing more.
Our switching deals for 2 Year Fixed Rate MortgagesOur switching deals for 5 Year Fixed Rate Mortgages
Must be aged 18+ and a UK Resident.
Start your product transfer online.
Subject to status and lending criteria
Call us 8am-8pm Monday to Friday
0800 056 1088
2 year fixed rate additional borrowing
5 year fixed rate additional borrowing
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