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A range of useful guides and information covering a wide range of financial decisions and life events.
We’re the world’s largest building society. Run for the benefit of our members. Being a building society means that we’re free to reinvest our profits to improve the products and services we offer.
We’re here to help, whether you need assistance with one of your accounts or if you just have questions you’d like answered.
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Guide to additional borrowing
Use our mortgage calculator to see how much you could borrow.
A reminder on the differences between fixed and tracker rate mortgages.
Making green improvements? We have Green Additional Borrowing rates.
How your monthly payments will work.
See our Mortgage Affordability Calculator to find out how much more we'd be willing to lend to you based on your current circumstances.
Please note, these aren't exhaustive lists of all your options for borrowing more.
When you’re borrowing more, your mortgage can be a fixed rate or a tracker rate mortgage. Here's a quick reminder of the two types of mortgage we offer.
If you'd like to borrow more to make energy efficient improvements to your home, we have two mortgage deals specifically for this purpose. You can choose from either a 2-year fixed or 2-year tracker mortgage with a rate reduction of 0.25% and no product fees.
Find out more about Green Additional Borrowing or search our mortgage rates for borrowing more and look out for the 'Green offer' flag.
When you take out further borrowing, you're taking out a new mortgage deal. You'll need to make payments on this mortgage, as well as on your current mortgage. Each mortgage will have its own account, and the payments will be separate.
The only payment type we currently offer is Capital repayment. This means part of your regular monthly payment goes into paying back the lump sum you borrowed, while the rest covers the cost of interest. As long as you keep up your monthly mortgage payments, your mortgage will be paid off in full by the end of your mortgage term. Other lenders may offer interest-only mortgages and part and part mortgages, which are a combination of interest-only and capital repayment. We no longer offer either of these payment types, and it's not possible to borrow more against these types of mortgages.
Next: Applying to borrow more
YOUR MORTGAGE IS SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.