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Additional mortgage borrowing

Looking to borrow more?

If your home is worth more than your remaining mortgage balance, you may be able to borrow more money on your Barclays mortgage for home improvements, a special purchase and more.

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

We’ll reward you with exclusive rates

Thinking of borrowing more on your mortgage? If you already have a mortgage with us, you can take advantage of our exclusive rates.

If you want to borrow more on your mortgage with us, you can apply for a further advance. As part of your application, we’ll need to arrange a valuation of your home, ask you about your income and spending commitments and undertake a credit check.

You may be able to borrow up to 85% of your property's value (or 80% if you're using the money to consolidate debts). That amount would include the extra money you want to borrow and your current mortgage. You may pay a different interest rate on the new amount and you can choose to repay the further advance monthly over the term of your mortgage, or sooner.

Is it right for you?

Additional mortgage borrowing could be right for you if

  • The outstanding balance of your mortgage is less than 85% of your property's value (or 80% if you're consolidating debts).
  • You have a good credit record
  • You can afford the additional monthly payments
  • You’re looking to borrow more than £5,000

If you don’t feel that additional mortgage borrowing is right for you, we also offer other borrowing options – personal loans , credit cards and overdrafts .

How to apply

If you’d like to borrow more on your current mortgage, please call us or contact your local branch to make an appointment with a mortgage adviser.

Call 0800 197 10811

Our rates for residential mortgage customers

This table outlines what the initial interest rate will be, as well as the follow-on rate, the loan to value and any mortgage fees and early repayment charges that may apply. You can sort any of the columns by selecting the column title.

You can view our full mortgage range, save a copy of our tariff of mortgage charges and read our important legal information.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.


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Product name:

Initial interest rate

Follow on interest rate

Overall cost for comparison

Loan to value

Mortgage fee

Early repayment charge

Important information

1. Lines are open all day, every day – except during Bank Holidays and Christmas period, when lines may be closed at off-peak times. Call charges