Additional mortgage borrowing

Want to borrow more?

Is your home worth more than your Barclays mortgage balance? You may be able to borrow more 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.

Is it right for you?

Additional mortgage borrowing could be suitable for you if you

  • Have an outstanding mortgage balance that’s less than 85% of your property’s value (or 80% if you're consolidating debt)
  • Have a good credit record
  • Can afford the additional monthly payments
  • Want to borrow more than £5,000

Borrowing more on your mortgage

We’ll reward your loyalty

As you already have a mortgage with us, we'll offer you exclusive rates if you want to borrow more against the same property.

Borrow up to 85% of your home's value

The amount you apply for includes your current mortgage balance plus the additional amount you’d like to borrow.

Flexible payment options

You may pay a different interest rate on the new amount – and you can repay the further advance monthly over the term of your mortgage, or sooner.

Straightforward application process

When you apply we’ll need to speak to you about your income and spending commitments, and arrange a valuation of your property.

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 us

Call us1 today. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.

0800 197 1081

Visit a branch

Find a branch near you that offers appointments with mortgage advisers and see when we’re open.

Our exclusive rates for residential mortgages

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.

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Other ways you could borrow

If additional mortgage borrowing isn’t what you’re looking for, consider these options instead.

Compare our loans

We could help you borrow what you need – when you need it

A Barclayloan is a simple way to borrow, with a fixed interest rate that’s personal to you. We could tell you what your loan rate is before you apply – without it affecting your credit score.

All loans are subject to status. Early settlement fees apply.

Cards to suit your lifestyle

Want to buy now and spread the cost? Transfer balances? Earn as you spend? Got a limited credit history? Then there could be a Barclaycard for you.

Barclays Overdraft

A short-term safety net

From unexpected bills to bridging the gap until payday, an overdraft could be your ideal short-term solution – take a look at our video.

Need some help?

You can talk to us about our mortgages online, in branch or by phone at a time that suits you.

Talk to us online

Start a web chat if you’d like to ask us a question online.

Call us

Call us1 today. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.

0800 197 1081

Visit a branch

Contact a branch that offers appointments with one of our expert mortgage advisers.