Additional borrowing on mortgage

Want to borrow more?

Thinking about borrowing more on your mortgage? Take a look at the exclusive rates we offer only to our mortgage customers. 

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

Why borrow more with us?

Want to borrow more than £5,000? Providing you have a good credit record and can afford the repayments, we could help you finance your plans. 

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 (the limit is 80% if you’re consolidating debts).

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 speak to you about your income and spending commitments, value your property and check your credit score.

How to apply

Book an appointment so our mortgage adviser can guide you through the application – either at a local branch or by phone. Lines are open all day, every day – except during bank holidays and the Christmas period, when lines may be closed at off-peak times.

Book an appointment

If you’d like to borrow more on your mortgage, please call us1 to make an appointment with a mortgage adviser. 

Call 0800 197 1081

Our additional borrowing rates

See our full mortgage range, download our tariff of mortgage charges and read our legal information.

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Moving home

Moving home

Your options when you have a mortgage with us

Find out about the mortgage options you can choose from when moving home, and see our exclusive rates and deals for home movers.

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.


Credit 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

Overdrafts are a short-term way to borrow money up to an arranged limit. We make the cost easy to see, and give you ways to help you manage your money.