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Apply to borrow more

You can choose how you would like to apply – online or over the phone.

Continue a saved application

To borrow more, you'll need to make sure that:

  • You've had your mortgage with us for at least 6 months.
  • You're not behind with your monthly repayments.
  • You have no more than two people on your current mortgage.
  • You’re not on a payment holiday.
  • Your property isn't being let.
  • You have your income details – for example, from your salary, bonuses and any additional income, such as government benefits or investments.
  • You know your monthly outgoings – for example, credit commitments, travel costs or anything you might pay out on any dependents – for example, school fees.
  • You have your UK address history going back 3 years.

Additional borrowing options

Borrow back overpayments

Some of our older mortgages came with features such as borrow back. This allows you to borrow back any overpayments you’ve made.

Find out more about borrowing back overpayments

Secured loans

You can choose to get a secured loan with a provider of your choice. The loan is secured against your home.

Unsecured loans

An unsecured loan is not secured against your home.

Taking a secured loan against your home might not always be the right way to borrow the money you need. There might be a more suitable option for your financial situation. You may want to consider unsecured loan options such as:

Ways to apply

Apply through online banking

If you’re already registered for the internet bank, you can apply by logging in. If not, open the internet bank below and ‘Register now’ in the top right corner to get started.

Once you've completed your decision in principle online, you’ll be offered an appointment with one of our mortgage advisers who will guide you through the rest of the process.

Log in to internet bank

Download our banking app*

Get the app from the App Store* on an Apple device or from Google Play on an Android device. Search 'Nationwide mobile banking'.

And join over 6 million of our members. Safe, secure everyday banking made easier.

You cannot apply online:

  • If you’ve had your existing mortgage less than 6 months.
  • If you've used any of the affordable home ownership schemes to purchase your current home, such as Right to Buy.
  • You have a Lifetime or retirement mortgage for over 55s.

For these types of mortgage, please apply over the phone.

0345 609 25 30

Need help with borrowing more?

If you’d prefer to speak to someone, you can give us a call. One of our mortgage representatives will complete your decision in principle. If it’s accepted, we’ll book you in for advice with a mortgage adviser, either by phone or video call.

For video appointments, you’ll receive an email with details of what you’ll need and how to join the call.

Monday to Friday, 8am to 6pm.
Saturday 8:30am to 4pm.
Closed Sundays and bank holidays.

0345 609 25 30

Important:

Think carefully before securing other debts against your home. Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage. Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.

* App Store is a registered trademark of Apple Inc. Google Play is a trademark of Google LLC.