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  4. How much extra can I borrow?

How much extra can I borrow?

To apply for an additional loan you must:

  • Have an existing Santander mortgage​
  • 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 Agreement
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About you
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Your Result
About you
Your Result

About you

How many people are applying?

3+ applicants

How many people are you financially responsible for? Don’t include anyone named on the mortgage.
How long would you like your additional loan for?
 
Are you using the additional loan for debt consolidation?

We don’t offer additional loans for debt consolidation. If you want to consolidate any debts and require advice please contact an independent financial adviser or mortgage broker. To find an adviser, please visit unbiased.co.uk

Your mortgage

Please show each loan separately if you have more than one. You can find them listed on your latest mortgage statement.

The remaining term
The repayment method

We do not offer additional loans above a maximum LTV of 85% including your existing mortgage.

We might need to restrict your additional loan term, so it ends at the same time as your current mortgage. This depends on how you plan to pay back your interest only mortgage.

Your income

This is basic salary including any allowances such as car allowance, London weighting, your net profit if self-employed or pension income if retired.​
​Do you have any other regular income?
e.g. bonus, commission, overtime, Universal Credit, child benefit, tax credits or child maintenance.
e.g. child benefit or tax credits.

Second applicant's income

e.g. basic salary including any employed allowances such as car allowances, London weighting, net profit if self-employed or pension income if retired.
Does the second applicant have any other regular income?
e.g. bonus, commission, overtime, Universal Credit, child benefit, tax credits or child maintenance.
e.g. child benefit or tax credits.

Your outgoings (for all applicants)

Don’t include any personal or household spend as we’ll take averages into account when we consider lending to you

Don’t include credit cards that have been repaid in full each month for the last 6 months.
Enter any outstanding loans, hire purchase or credit agreements. Don’t include credit cards.​
Only enter costs you wouldn’t want to stop such as life insurance, childcare, school fees or costs for other properties you may own.​

We don’t offer additional loans for debt consolidation. If you want to consolidate any debts and require advice please contact unbiased.co.uk

Ways to apply

Online

Get an instant decision in principle and apply online.

Log on to Mobile or Online Banking, choose your mortgage account, then 'Manage my mortgage'.

Get online

You can get instant access to Mobile and Online Banking. You need your account details, and the mobile phone that's currently registered for One Time Passcodes (OTPs) with you. Mobile and Online Banking log on details are the same.​

Get access

Alternatively, you can get in touch with our mortgage team. 

Important information

Calculator is for illustrative purposes only.

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. Applicants must be UK residents aged 18 or over.