Start your Borrowing More application

If you're comfortable borrowing more 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.

Take a look at our recommended operating systems and browsers for using our mortgage application system.

Proving your income

For everything you need to know about the proofs of income we may need to see, take a look at our Good Proofs Guide (This link will open in a new window).

You can't apply online if:

  • your mortgage term will take you into, or beyond, normal retirement age.
  • you're borrowing additional money to repay another existing debt, or for declared personal use.
  • you want to change your current mortgage term or repayment method.
  • you’re applying for a Family Deposit Mortgage.

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.

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 after your switch, 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.

Can you borrow back instead?

If you took out your current mortgage deal through Nationwide 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 – if you took your current mortgage deal through Derbyshire, Cheshire or Dunfermline Building Societies you'll need to check your offer to find out if you have this feature. Find out more about borrow back options or give us a call on 0800 30 20 10.

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.

Choose to apply by phone and we'll go through your income and outgoings with you to give you our Decision in Principle (DIP). Have details of your expenditure and earnings to hand when you call us.

We'll then arrange an appointment for you to complete your full application with one of our Mortgage Consultants. They'll advise you on what's best for you, and help you complete your application.

It typically takes up to 45 minutes to get a DIP 

Proving your income

For everything you need to know about the proofs of income we may need to see, take a look at our Good Proofs Guide (This link will open in a new window).

Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)

Apply for your additional borrowing at one of our branches, and a Mortgage Consultant will be there to advise you on what's best for you.

You'll first need to make an appointment by giving us a call (This link will open in a new window) or popping into your nearest branch (This link will open in a new window).

Your appointment will last around 2 hours

Proving your income

For everything you need to know about the proofs of income we may need to see, take a look at our Good Proofs Guide (This link will open in a new window).

Ready to take the next step?

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

0800 30 20 10

Speak to one of our mortgage experts

Visit us in branch

Come and see us at your nearest branch (This link will open in a new window)

Ask us a question

Send us a message (This link will open in a new window) online