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Borrow more or extend your term

Manage your mortgage the way you want to

Make changes to your mortgage that suit you

Looking to make some home improvements? Borrowing more against your property, sometimes called a secured loan, can help to make your plans a reality. Or, you could extend your mortgage term, which could make your monthly payments less. Extending the term of your mortgage means that it will take longer to pay your mortgage back and could increase the total amount to be repaid.

  • You could borrow from £10,000
  • Pay the money back over 5 years or more

Looking to borrow less than £10,000? We've got loans and other ways to borrow that could suit you.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Borrow more or extend your term online

You can apply to borrow more money on your mortgage, or extend your term online if:

  • You have held your mortgage with us for at least 6 months, or
  • You have paid off your mortgage and remain the property owner
  • You don’t have a temporary interest-only arrangement on your mortgage under the Mortgage Charter


Plus, you'll need to have consent from all mortgage holders.

If you have opted to make temporary interest-only payments on your mortgage under the Mortgage Charter, you'll need to speak with us to discuss borrowing more.

The amount you choose to borrow must be within our maximum loan-to-value (LTV) for the current value of your property.

Borrow more or extend your term by phone

If you don't meet the above criteria - or you'd like to speak to our expert mortgage team to borrow more or extend your term - give us a call on:

0800 169 6333

Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

Frequently asked questions

It's easy to answer your query online. Visit our Help page to find out how.