Take out a loan alongside your current mortgage product
This is a loan at a different rate to your current mortgage product and has a variable rate of interest. This might be the best option if your mortgage is still within an introductory product period.Securing a loan with your mortgage
Transfer your existing mortgage and any additional borrowing to a new mortgage deal
This is where you switch your existing mortgage to a new product and borrow any extra you need at the same time, on the same interest rate.A new mortgage deal with additional borrowing
Think carefully before securing other debts against your home. Don’t risk losing your home – keep up those mortgage repayments
How much can I borrow and for how long?
- The minimum you can borrow is £3,000.
- The maximum depends on how much equity you have. If you have a residential mortgage you may be able to apply to borrow up to 85% of the property value (existing mortgage plus additional borrowing). The maximum you can borrow is £2 million.
- Buy-to-let customers can borrow a total (mortgage plus additional borrowing) of up to 80% of the property value, up to £1 million.
- You can choose to pay back any additional borrowing over 5 to 35 years. That said, the repayment term of any extra borrowing can’t be longer than the term left on the original mortgage.
- For residential mortgages, the maximum age at the end of the mortgage term is 75 years and 364 days.
- For buy-to-let mortgages, the maximum age at the end of the mortgage term is 85 years and 364 days.
- Lending is subject to affordability, income confirmation, status, and a satisfactory valuation of the property. Policy restrictions and terms and conditions apply.
- Existing customers home
- Switch your mortgage deal
- Make changes to your mortgage
- Move home with your mortgage
- Our mortgage features
- Frequently asked questions
- Overpayment calculator
- Repaying your interest only mortgage
- Managing your money
- Bank of England base rate changes
- Interest and loyalty rates
- Tariff of mortgage charges
- Request a redemption statement
- Request a certificate of interest
- Request an interim statement