Borrow more against your home

Taking on additional borrowing secured against your home isn't something to rush into, and how much we could lend you depends on how you plan to spend the money.

You could borrow up to 90% of your home's value and a minimum of £5,000 to:

  • make home improvements
  • buy an additional or a final share in a shared ownership housing scheme
  • buy a freehold title or new extended lease
  • buy a share in your freehold
  • buy land joined to your property
  • make energy efficient home improvements.

More about energy efficient home improvements on our Green Additional Borrowing page

You could borrow up to 90% of your home's value and a minimum of £10,000 to:

  • buy out a partner’s interest (if the partner is a non borrower)
  • buy out a joint borrower’s interest
  • pay off your Help to Buy equity loan in full
  • buy separate land (except for letting)
  • other personal reasons.

You could borrow up to 80% of your home's value and a minimum of £10,000 to:

  • repay a non-Help to Buy secured loan
  • repay unsecured debts.


You can’t borrow more to raise money for a business or to buy land or a property that you wish to let out.

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.

Secured loans

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:

Work out how much borrowing more could cost and apply

Our mortgage calculator and compare rates tool could help you work out how much it could cost. You can apply online if you’re eligible and comfortable without taking our advice.

Find out how much more you could borrow

Get an idea of how much you could borrow using our mortgage calculator.

Mortgage rates

Compare mortgage deals and see what your interest rate and monthly payments could be.

How to apply

Find out how to start your application to borrow more.


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.