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Existing Customer

Borrow More

If you already have a mortgage with us you can apply to borrow up to 90% of the value of your home, with one of our great further lending deals. You could enjoy the extra cash for a whole host of reasons including home improvements or for a big purchase. If you do borrow more you should be aware that any additional borrowing will have a different rate from your original loan, and will be subject to additional income and credit checks.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Call us on 0345 300 8000* to find out more.

If you’re interested in taking advantage of our great further lending deals and borrowing more, call us on 0345 300 8000* so we can take you through your options and our terms and conditions for extra borrowing. You can apply to borrow more if:

  • Your existing mortgage and the new amount you’d like to borrow adds up to no more than a maximum of 90% of the value of your home
  • You’d like to borrow more than £5,000

Minimal paperwork
The good news is you do not need to complete an application form to borrow more with us. We’ll undertake an assessment of your needs and circumstances on the phone and send you a Key Facts Illustration and our recommendation for you to review and accept, followed by a mortgage offer for you to read, sign and return.

It’s quick and easy
We know that time is of the essence, so we’ll send a Key Facts Illustration and our recommendation to you within two working days and aim to send you the offer within 15 working days. We’ll need to arrange for a valuation of your property before we can issue the offer. We’ll do our best to arrange this for you promptly so your offer can proceed as quickly as possible.

Considerations
When borrowing more, you could also change another aspect of your mortgage. To discuss changing your mortgage rate, changing your interest only mortgage to capital repayment or your repayment term,  please talk to our Mortgages Direct team on 0345 300 8000*.

Visit our change your rate section for more information about all of our great fixed rate deals.

Read our Frequently Asked Questions for more information on borrowing more.

If you’re interested in borrowing more, check out our great further lending deals available to you.

Receive advice

We offer a free advice service for customers wanting to borrow more. One of our qualified Mortgage Advisers will undertake a fact find process and conduct a full assessment of your mortgage needs and circumstances. This will include an affordability check and ensures you and your property meets our current lending criteria. The process will typically take an hour or so to complete. Following this we’ll send our recommendation for you to review so you can apply with us.

If you’d like to borrow more, please call us on 0345 300 8000* and ask about our great further lending deals currently available.

Please note once we receive your application a full underwriter assessment will also be undertaken before your application is accepted and progressed.