Borrowing more

If you have a residential mortgage with us, we may also be able to provide you with additional lending on top of your existing mortgage

Our range of additional loan deals allow you to use some of the value in your home to help you get the things you want, such as extra funds to build an extension or a new kitchen, buy a new car or to go on a dream holiday.

Important information - Please note we do not currently offer additional lending for Buy to Let customers.

Additional lending features

  • Borrow on a capital & interest, interest only or part capital & interest part interest only basis

  • Borrow up to 85% of your property's value.

  • Spread the monthly payments over a shorter period, a minimum of 5 years; Or a longer period of up to a maximum of 40 years.

How it works

It's easy to apply to borrow more - follow the steps below:

  1. Before you apply, check you are eligible for additional lending by reviewing the information on the right hand side of the page.

  2. Review our current additional lending deals and select a product.

  3. When you're happy to apply, contact our Existing Customer Team on 0345 1200 891*

  4. They will provide you with an illustration (known as a Key Facts Illustration) of what your new monthly payments will be and will send out an application form in the post which you will need to sign and return.

Other costs you may need to pay

We may require a solicitor to act on our behalf, depending on the purpose of the loan.

We may need to carry out a revaluation for which a non-refundable fee of £70 is payable by you. This fee is payable in full at application and cannot be added to the loan amount. Please contact us to check if this will apply to you.

Repaying any additional lending

  • Payments for your additional loan will be collected along with your main mortgage payment each month.

  • You can choose the period over which you repay the additional loan. Either spread the payments over the same length term as your main mortgage, a minimum of 5 years; Or a longer period of up to a maximum of 40 years.


Interest Only lending

Please be aware that different criteria apply for interest only mortgages. Please see our lending criteria for further information.

Help to Buy Equity Loan Scheme

If your property was purchased under the Help to Buy Equity Loan Scheme and you still have an outstanding Equity Loan, different criteria applies. Please see our lending criteria for further information.


Your property may be repossessed if you do not keep up repayments on your mortgage.

If you have a Buy to Let property, then alternatively a receiver may be appointed (except in Scotland) to receive the rent and/or to sell the property. After sale, you will remain responsible for the payment of any mortgage shortfall debt.


Am I eligible?

To apply for an additional loan, you must meet the following requirements:

  • You must have a residential mortgage with us for at least 6 months and made all your payments on time. You can’t apply if your mortgage is a Buy-to-Let.
  • For energy related improvements, at least half of the loan must be used on any of the following:
  • Loft Insulation (no foam spray)
  • Solid wall Insulation
  • Cavity wall insulation
  • Double or triple glazing to replace single glazing
  • uPVC external doors
  • Solar panels
  • A heat pump (ground or air).
  • The application meets our lending criteria.
  • For Home Improvements, you'll need to show us estimates for any work you plan to do and any planning approval that's needed.

  • Whether it’s buying land to going on holiday, we’ll consider additional loans for a variety of different reasons, but we won’t offer you a loan if it’s for business purposes.

Our downloadable guides have all the information you need on our products, how to manage your account and much more.