Additional borrowing

Want to borrow more against your property?

See how we could help you apply for additional borrowing on your mortgage.

Borrow up to 85% of your home’s value

You could borrow up to 85%, or 80% if you’re consolidating any debt. This limit includes your current mortgage balance, plus any extra you’d like to borrow. If you’ve got a good credit record and can afford your higher repayments, we could  help.

Payments to suit you

Repay your new amount over the term left on your existing mortgage or choose a new term for your extra borrowing.

Need more help?

We can help you choose the right mortgage rate and term for you, as well as help with consolidating your debt.

GIF shows smartphone with the Barclays app open. We see the Accounts page open, with a summary of open Barclays accounts.

The ‘Additional Borrowing’ button is pressed. This takes us to a new screen, showing us what has been borrowed. Then the ‘Mortgage Account’ button is pressed. 

Apply in the Barclays app

Take a look at your options and apply for your additional borrowing in the app. Choose your mortgage, then select ‘Additional borrowing’.

When you apply in our app, we won't check if your chosen mortgage is right for you. You also won’t be able to change the term, type, or any other part of your current mortgage.

Not registered for our app? Find out how to register.

Want to consolidate your debt? 

Our mortgage advisers can

  • Talk to you about your existing mortgage and available options
  • Recommend a rate and term that’s right for you

Book an appointment if you

  • Need advice
  • Want to change your existing mortgage term or rate
  • Want to consolidate any debts
  • Have significantly increased the value of your property (for example, through renovations)  

Call 0333 202 7580 to book an appointment. Our mortgage advisers are available Monday to Friday from 7am to 8pm, and from 7am to 5pm at weekends. To maintain a quality service, we may monitor or record phone calls. Call charges.

Our additional borrowing rates

See our full mortgage range [PDF, 562KB], download our tariff of mortgage charges [PDF, 265KB] and read our legal information.

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When it comes to putting your plans into action, it’s personal. And with a personalised loan just a few clicks away, getting things moving could be simpler than you think. Get your loan rate before you apply – without it affecting your credit score.

Subject to application, financial circumstances and borrowing history

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.

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Cover for the things that matter the most

Get a £75 e-voucher with our life insurance

If you die or become terminally ill – meaning you’re expected to live less than 12 months – life insurance could give your loved ones some financial security. 

Get a quote for Barclays Simple Life Insurance or mortgage protection life insurance between 1 June 2024 and 30 June 2025, buy the policy before the quote expires and we’ll give you a £75 e-voucher to spend on a range of gifts including days out and vouchers for high-street brands.

Simply Thank You will email you between months five and six of your policy’s start date to let you know how to claim your reward. You’ll need to use your voucher by 30 June 2026. 

Terms conditions and exclusions apply.


Barclays Simple Life Insurance

Protect your family

Have you thought about what would happen to your loved ones if you died or became terminally ill? With Barclays Simple Life Insurance, you can give them some financial security with a one-time payment – from £6 a month.

Life insurance for mortgage protection

Peace of mind for your home

Whether you’re a first-time buyer or only have a few years left on your mortgage, make sure your home is protected if you die or become terminally or critically ill.

Barclays Life Insurance is underwritten by Legal & General Assurance Society Limited. When you select ‘Get a quick quote’, we’ll take you to Legal & General’s website to complete your application securely. Terms, conditions, exclusions and eligibility criteria apply.

Subject to application, financial circumstances & borrowing history. T&Cs apply