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Additional borrowing is not like a personal loan – it's secured on your property, just like your mortgage. You can spread payments out over your mortgage term, but just like your mortgage, if you can't keep up with the additional payments you risk losing your home. You should always check to see if you can get a better deal before applying.
Make sure you check these first:
You can now dive in and take a look at our additional borrowing mortgages or double check how much you could borrow overall by crunching a few numbers in our ‘How much can I borrow’ calculator.
Try the calculatorEnd Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/03/2027, followed by 1.5% of amount repaid until 31/03/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/03/2027, followed by 2.5% of amount repaid until 31/03/2028, followed by 1.5% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/03/2027, followed by 2.5% of amount repaid until 31/03/2028, followed by 1.5% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/03/2027, followed by 1.5% of amount repaid until 31/03/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/03/2027, followed by 2.5% of amount repaid until 31/03/2028, followed by 1.5% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/03/2027, followed by 4.5% of amount repaid until 31/03/2028, followed by 3.5% of amount repaid until 31/03/2029, followed by 2.5% of amount repaid until 31/03/2030, followed by 1.5% of amount repaid until 31/03/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/03/2027, followed by 4.5% of amount repaid until 31/03/2028, followed by 3.5% of amount repaid until 31/03/2029, followed by 2.5% of amount repaid until 31/03/2030, followed by 1.5% of amount repaid until 31/03/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/03/2027, followed by 1.5% of amount repaid until 31/03/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/03/2027, followed by 2.5% of amount repaid until 31/03/2028, followed by 1.5% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/03/2027, followed by 4.5% of amount repaid until 31/03/2028, followed by 3.5% of amount repaid until 31/03/2029, followed by 2.5% of amount repaid until 31/03/2030, followed by 1.5% of amount repaid until 31/03/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/03/2027, followed by 1.5% of amount repaid until 31/03/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/03/2027, followed by 2.5% of amount repaid until 31/03/2028, followed by 1.5% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/03/2027, followed by 4.5% of amount repaid until 31/03/2028, followed by 3.5% of amount repaid until 31/03/2029, followed by 2.5% of amount repaid until 31/03/2030, followed by 1.5% of amount repaid until 31/03/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/03/2027, followed by 1.5% of amount repaid until 31/03/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
2.5% of amount repaid until 31/03/2027, followed by 1.5% of amount repaid until 31/03/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/03/2027, followed by 2.5% of amount repaid until 31/03/2028, followed by 1.5% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3.5% of amount repaid until 31/03/2027, followed by 2.5% of amount repaid until 31/03/2028, followed by 1.5% of amount repaid until 31/03/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/03/2027, followed by 4.5% of amount repaid until 31/03/2028, followed by 3.5% of amount repaid until 31/03/2029, followed by 2.5% of amount repaid until 31/03/2030, followed by 1.5% of amount repaid until 31/03/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/03/2027, followed by 4.5% of amount repaid until 31/03/2028, followed by 3.5% of amount repaid until 31/03/2029, followed by 2.5% of amount repaid until 31/03/2030, followed by 1.5% of amount repaid until 31/03/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
5.5% of amount repaid until 31/03/2027, followed by 4.5% of amount repaid until 31/03/2028, followed by 3.5% of amount repaid until 31/03/2029, followed by 2.5% of amount repaid until 31/03/2030, followed by 1.5% of amount repaid until 31/03/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
We’ll instruct a mortgage valuation. This is for our own use only. The cost of the valuation is set out in the product features. Where you feel you need more information about the property including its condition, there are three additional types of survey available to you: Home Survey Level 1 (Previously known as a Condition Report), Level 2 (Previously known as a Home Buyers’ Survey) and Level 3 (Previously known as a Building Survey). You’ll need to decide which level is best for you. For further details please visit rics.org
Representative example
A mortgage of £139,000 payable over 25 years initially on a fixed rate for two years at 3.99% and then on our current standard variable rate of 6.39% (variable) for the remaining 23 years would require an initial payment of £1,203.97, 26 monthly payments of £732.93 and 273 monthly payments of £913.76.
The total amount payable would be £269,868.91 made up of the loan amount plus interest (£130,743.91) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.1% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
End Date
Reversion Rate
Early Repayment Charges
1% of amount repaid until 31/03/2027, followed by 1% of amount repaid until 31/03/2028, plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
We’ll instruct a mortgage valuation. This is for our own use only. The cost of the valuation is set out in the product features. Where you feel you need more information about the property including its condition, there are three additional types of survey available to you: Home Survey Level 1 (Previously known as a Condition Report), Level 2 (Previously known as a Home Buyers’ Survey) and Level 3 (Previously known as a Building Survey). You’ll need to decide which level is best for you. For further details please visit rics.org
Representative example
A mortgage of £175,000 payable over 25 years initially on a variable rate for two years at 4.59% and then on our current standard variable rate of 6.39% (variable) for the remaining 23 years would require an initial payment of £1,663.88, 26 monthly payments of £981.67 and 273 monthly payments of £1,155.58.
The total amount payable would be £342,824.49 made up of the loan amount plus interest (£167,699.49) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.2% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Whether you have a question or are ready to take the first step, we're happy to help.
0345 241 3785schedule 8:30am to 6:00pm Monday to Friday
schedule 8:30am to 12:30pm on Saturday
You can also request a call back or visit us in branch.
