What is additional borrowing?

Additional borrowing is effectively taking on more borrowing from your current mortgage lender to fund things such as home improvements.

If you're already a Nationwide mortgage customer and want to borrow more, you could borrow up to 90%* of the value of your home (including your current mortgage), for any reason except to raise money for business purposes or to buy land or property to be let.

Am I eligible to borrow more?

You're eligible if:

  • Your main loan was taken out more than six months ago
  • Your property is not currently let
  • There are a maximum of two borrowers only on your mortgage
  • You don't have an outstanding County Court Judgment or Bankruptcy Order
  • You’re not currently taking a payment holiday
  • Your mortgage isn't part of our help to buy scheme

*You can apply to borrow more if you have a Help To Buy mortgage, but not online.
Please call 03457 30 20 11 or visit your nearest branch

How do I apply for additional borrowing?

Step 1

Check that you're eligible to borrow more.

Step 2

Use our quick affordability calculator to work out how much you could borrow.

Step 3

Choose how you want to apply. Online, by calling us on 03457 30 20 10 or make an appointment in branch.

Step 4

If your additional loan is approved, you'll get the money within 7 working days of accepting the offer.

Find out more

Check out our FAQs for more information, or get in touch.

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If you need to speak to a member of staff, pop into any branch. 

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If you can't find what you need on this page or in the FAQs, call us on 0800 121 74 66 and we'll be happy to help.