Start your Borrowing More application

Just so you know, as you go through the mortgage application you’ll get a Decision in Principle (DIP) first.

Mortgage offers and valuations

We've made some changes to how we carry out mortgage valuations. And if your application has been impacted by coronavirus, you can apply for a mortgage offer extension.

Find out more about our changes to mortgage valuations and offers

Ways to apply

  • Online


    If you're comfortable choosing a mortgage without our advice, you can apply online at your own pace. You need to understand that you're responsible for the mortgage you choose. You'll get no advice from us, so you won't be protected if you later decide the mortgage you chose wasn't suitable.

    Apply below
  • Over the phone


    Apply with advice. If you're applying over the phone or in branch, you could save time by getting a DIP online first. Call to book an appointment with a Mortgage Consultant. Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays).

    Call 0800 121 74 66
  • In branch


    While we need to keep each other safe by staying at home, we cannot accept applications in branch. For now, please call us to apply if you need advice. Or, if you're happy to apply without advice, you can apply online.

Please bear with us at the moment

We may take longer to answer your calls, or to process your application. Some of our employees are self-isolating, and there is a lot to do, but we'll continue to work as fast as we can. As always, supporting our members is our top priority.

Things to consider

If you've been making overpayments

When you pay more than your monthly payment we do three things:

  • Take all overpayments off your balance straight away and reduce the interest you pay us from the next day.
  • Reduce your monthly payment (or term if you've asked us to) if you overpay by more than £500.
  • Keep track of all the extra you've paid on your mortgage and call this amount your 'overpayment reserve', which allows you to underpay (or borrow back, if you have that feature).

When you borrow more, we include your current balance and the overpayment reserve when working out your loan to value (LTV). The rates available to you will depend on your LTV band - the higher your LTV band, the higher the rate you'll pay. Your overpayment reserve increases your LTV, but may not mean you move to a higher LTV band. When you borrow more, you've got two options with your overpayment reserve:

  • Option 1: Reduce your overpayment reserve
    This means you won’t be able to underpay on the overpayment reserve you’ve removed, but your LTV will be lower and may mean you pay a lower rate if you move to a lower LTV band.

  • Option 2: Keep your overpayment reserve
    This means you'll be able to use your overpayment reserve to underpay, but your LTV will be higher and may mean you'll need to pay a higher rate if you move to a higher LTV band.

If you’d like to find out more about how your overpayment reserve could impact your mortgage, please call us on 0800 30 20 11.

Other ways to borrow more

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.
Find out more about borrowing back overpayments

Unsecured lending
Additional borrowing that's secured on your home may not always be the most suitable option for your needs. Take a look at our other borrowing options, such as:
Credit cards
Personal loans
Current account overdrafts

You can't apply online if:

  • you’re applying for our Green Additional Borrowing mortgage
  • your mortgage term will take you into, or beyond, normal retirement age.
  • you're borrowing additional money to repay unsecured debts of more than £10,000 or over 15% of the total additional borrowing amount (whichever is lower).
  • you're applying for a Family Deposit Mortgage.
  • your mortgage is part of our help to buy scheme.
  • you have a Later Life mortgage.

For these applications, please call us on 0800 30 20 10, Monday to Friday 8am - 8pm, Saturday 9am - 5pm.

This online application form isn't right for you, if:

  • you want to change your current mortgage term or repayment method (but these links will take you to the right application forms).
  • You want to borrow more and switch at the same time – if you apply online, you could end up paying more. Call us on 0800 30 20 10 to see if there's anything we can do to save you money on your rate or product fees.

Ready to start your application?

Start by telling us who you are:

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.

What to expect after you've applied

You'll receive your mortgage offer

  • Once we’ve received and approved your mortgage proof documents, we'll make a decision and inform you about your official mortgage offer within 2 weeks.
  • You'll then have two weeks to decide whether or not to go ahead and accept the binding offer.
Second stage of timeline

You'll receive your funds

Final stage of timeline