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How to Apply

Apply to borrow more

You can apply to borrow more in two simple steps.

Step 1 – Get a Decision in Principle (DIP)

A DIP certificate is a free, no-obligation confirmation of whether we’d be prepared to lend to you. You can get one online, even if you want to continue your application over the phone or in branch. Before you get a DIP, it's worth considering that a credit check is a part of this step, and numerous credit checks aren't good for your credit score. If you’d like to find out how much you could borrow first, you can use our Mortgage Affordability Calculator

Step 2 – Complete your full mortgage application

Once you’ve got a DIP, you can complete your full mortgage application. At this point, you’ll choose a mortgage deal, and indicate how you’ll pay any applicable product fees. If you'd like to get an idea about our mortgage deals before applying, search our mortgage rates to see mortgage product features and fees. You can apply in branch or over the phone with advice, or online without advice.

When your application is complete, we'll let you know if we require any documentation or extra information, and we'll keep you informed about your application status.

Can you borrow back instead?

If you took out a mortgage before 4 March 2010 and have been making overpayments on your mortgage, you may be able to withdraw money from your overpayment reserve. You'll need to have a borrow back option on your mortgage to be eligible. Find out more about borrow back options or give us a call on 0800 30 20 10.

How an overpayment reserve is relevant when borrowing more

Any payments you've made over and above your normal monthly payment will be deducted from the total amount outstanding, but we actually keep it in a separate pot known as an overpayment reserve. We keep this separate so you can choose how you want to use it in the future. It may be that you want to borrow it back, take payment holidays or underpay for a period of time (eligibility applies). If you are now looking to borrow more and have an overpayment reserve you have 2 options to choose from.

  • You can transfer your overpayment reserve into your outstanding balance. This may result in: 
    • a lower LTV as your balance has reduced - this means you may be able access a wider range of products including some at a lower rate (subject to availability) 
    • losing your overpayment reserve.
  • You can keep the overpayment reserve. This means:
    • we'll include your overpayment reserve in our calculation, which may result in a higher LTV and possibly higher rate products.

Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.