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.


If you want to borrow more and switch on the same day, applying online could mean paying more. Find out if we can save you money by calling us on 0345 609 25 30 (Monday to Friday 8am to 6pm. Saturday 8:30am to 4pm. Closed Sundays and bank holidays).

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:

Ways to apply



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.