All of our services are available as normal
Borrow more against your home
You can apply to borrow more in two simple steps.
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.
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.
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.
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.
If you'd like advice on choosing an additional mortgage, you can apply by phone or in branch. If you're comfortable choosing a mortgage with us without receiving advice, you can apply online.
If you’re happy to choose your own deal you can apply online. Just so you know, when you decide to apply online without advice you’ll need to make your own choice about which mortgage meets your needs. The Financial Conduct Authority have rules about how we make sure we recommend a suitable product for you, choosing your own deal means you don’t benefit from these rules and you may choose a product less appropriate to your needs.
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For these applications, please visit us in your nearest branch or call us on 0800 30 20 10, Monday to Friday 8am - 8pm, Saturday 9am - 5pm.
When you apply by phone, we'll complete the first application step with you - getting a Decision in Principle. This call may last up to 45 minutes, and you'll need details of your income and outgoings to hand. Check our Mortgage application proofs guide to find out exactly what we'll need.
We'll then arrange an appointment for you to complete your full application with a Mortgage Consultant. Your consultant will give you advice on a suitable mortgage for you, and be with you every step of the way.
You can reduce your appointment time by completing Step 1 online yourself if you’re comfortable doing so. Simply apply online for a Decision in Principle, then call us to arrange to continue your application with a Mortgage Consultant.
Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)
Call us on 0800 121 74 66
When you apply in a Nationwide branch, one of our Mortgage Consultants will advise you on the best mortgage for your situation.
You’ll need to make an appointment in advance by giving us a call, or popping in to your nearest branch. Your appointment will last around 2 hours, and if you’re making a joint application, both applicants will need to be present.
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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.
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