We make it simple to borrow more

Want to bring the dream of a new kitchen or home extension closer? You could borrow more against the value of your home.

Looking to make energy efficient home improvements? You can get a lower initial interest rate with our Green Additional Borrowing mortgage.

  • 1 Is borrowing more right for you?

    Understanding your options

    Find out whether you can borrow more, and see other borrowing options that may suit you better.

    Should you borrow more?
  • 2 Find out how much you could borrow

    How much can you borrow for your top up mortgage?

    Get a good idea of how much we could lend you by using our calculator.

    How much can I borrow?
  • 3 See our rates for additional borrowing

    Borrow more

    Take a look at our borrowing more rates.

    Find a mortgage rate
  • 4 Start your application to borrow more

    Review offer

    Apply today, see what happens during the process, and find out what proofs of income you need.

    Apply to borrow more

Apply by phone, in branch or online

Need some expert advice?

When borrowing more on your mortgage, you may feel you need some advice to help you make the right decision. Our mortgage experts can guide you based on your particular circumstances.


Call to make a telephone appointment

0800 30 20 10
Open 8am-6pm weekdays
8:30am-4pm Saturday

We may take longer than usual to answer your call, and there may be a wait for a telephone appointment. Many of our employees are self-isolating, and there is a lot to do, but we'll continue to work as fast as we can.

Happy to apply without our advice?

Apply online if you feel confident that you know which mortgage deal is right for you. If you then decide you'd like our advice, you can continue your application by phone or in branch. 


Apply online

Choose to apply online at your own pace, and get an initial decision in about 15 minutes.

Start your application

Already started an application?

If you began your application online, you can jump back in at any time to complete it.

Continue your application

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.

Learn more about mortgages

We're here to make mortgages easier to understand. Use our handy guide to make sense of the technical stuff.