How it works
You switch your existing mortgage to a new product and take additional borrowing at the same time, on the same terms and conditions. Fixed and tracker rate options are available, depending on your circumstances.
You also have the option of a repayment or interest only mortgage. Additional terms apply if you choose an interest only method.
If you’re thinking about applying for a new mortgage deal with additional borrowing, you might need to consider any applicable early repayment charge on your current mortgage deal. Some of our mortgages also include a fee.
If you take a mortgage with a product fee, you can choose to pay this upfront or add it to your mortgage. If you add the fee to the mortgage, you’ll pay interest on it at the same rate as the rest of your borrowing.
If you want, your funds can be sent to your nominated bank account (via CHAPS) and be available on the same day your loan completes. The charge for this is £30, which you need to pay before the funds are transferred.
How to apply?
Before you take any additional borrowing, we ask you to speak to one of our mortgage advisers, who will look at your current circumstances and discuss the product options with you.
To find out more please call us to discuss your options
Call us on
0345 602 8301
We're here from 8am - 6pm Monday to Friday, 9am - 1pm Saturday.Call charges and information
|03 numbers||Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.|
|084 numbers||Maximum of 7p per minute, plus your phone company's access charge.|
|087 numbers||Maximum of 13p per minute, plus your phone company's access charge.|
|0800 numbers||Free from UK landlines and personal mobile phones.|
- Existing customers home
- Switch your mortgage deal
- Make changes to your mortgage
- Move home with your mortgage
- Taking additional borrowing
- 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