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Additional loans for our existing borrowers

Whatever you’re planning for your home, you can get things moving sooner with an additional loan if you have a mortgage with us.

Early Repayment Charges and other fees and charges apply.

You deserve a competitive deal

More rewarding mortgages when you stay

Once you have a mortgage with us, we may also be able to provide you with additional funds for a wide variety of purposes. You may want extra funds to build an extension for your growing family, for a new kitchen or to make repairs or improvements to your home. Our additional loans allow you to use some of the value in your home to help you do the things you want. 

Benefits to you:

  • Choice of competitive rates

    Choose from special member deals including fixed and offset fixed rates
  • Borrow what you need

    Get up to 85% of the value of your home
  • Spread your payments

    Pay back over a period of anything between 5 and 40 years, though you must have a minimum of 5 years left on your mortgage to take an additional loan
  • No higher lending charge

    We'll pay this for you so you don't need to worry

Am I eligible?

  • If you're planning any home improvements, you'll need to show us estimates for the work and any planning approval that's needed.
  • When you apply, you'll need to ensure you've had your existing loan for at least six months, made repayments on time and that there are no arrears.
  • You must also meet our lending criteria ..
  • There's sometimes an additional £70 valuation fee to pay, so just ask and we'll be happy to check for you.
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How does it work?

If you're interested in finding out about borrowing more on your existing mortgage, the process is simple:

1. View our current additional loans

First of all, take a look at our current additional loans. As we’re committed to providing you with the best value, our additional loan products change from time to time to meet customer needs.

Please note: If you're thinking about taking out additional borrowing with a new deal on your current mortgage, get in touch with us for up to date product information.


2. Speak to our adviser

If you want to go ahead, our qualified Mortgage Advisers are ready and waiting to help and can give you an illustration of how much you can borrow and an idea of what your monthly repayments might be.

Speak to an adviser

Existing mortgage customers
0345 166 9301*

9am - 5pm: Mon to Fri
9am - 1pm: Sat

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