To apply for an additional loan, you must:
Borrow at least £5,000
Borrow the money for at least 5 years
Borrow less than 85% of your home’s value, including your existing mortgage and the additional loan
Not be declared bankrupt or subject to an Individual Voluntary Arrangement
Alternatively, you can get in touch with our mortgage team.
If you want to borrow less than £5,000 or pay it off in under 5 years, take a look at our other borrowing options
How do I apply?
Log on to Mobile or Online Banking. Then follow these 3 steps.
1
Pick your mortgage in the account summary screen
2
From here, tap ‘Manage my mortgage’
3
Then choose ‘Borrow more’
Do you have a Flexible Offset mortgage?
With a Flexible Offset mortgage you have an agreed additional borrowing limit, at the same rate as your mortgage. You can access your additional borrowing through Online Banking and repay on a repayment or interest only basis. If you need to increase your additional borrowing limit, you can ask for a credit limit review (charges will apply).
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Applications are subject to status and lending criteria.