You can apply to borrow extra money on your current Royal Bank mortgage. This extra money must be for a clear purpose. Your new payments are added to your usual monthly mortgage payment.
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Existing mortgage customers
Borrow more money on your Royal Bank of Scotland mortgage
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You can only take additional borrowing on a capital and interest basis. The longer the mortgage term, the more interest you will pay on the capital borrowed. Applications are subject to underwriting and must meet our current lending requirements.
Complete home improvements
Want to learn more about adding value to your home, the different costs involved and energy saving ideas? Then take a look at our home improvements guide.
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Buy a second/ rental property
Are you looking to buy a second/rental property? Take a look at our second home mortgage options.
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Buy a new or used car
Looking to buy a new or used car? We've put together some tips to help you make the right choice.
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How to applying for additional borrowing
Check if you're eligible to apply
- You have a mortgage with Royal Bank.
- You're a resident in the UK.
- You're looking to borrow between £10,000 and £500,000 (If you need a different amount, our borrowing needs tool can help you explore the options.)
- You're up to date with your current mortgage payments.
- You're looking to borrow for a minimum term of 3 years.
- You've made at least one payment on your existing mortgage.
How do I apply?
For residential mortgages, you can check if you are eligible, see the cost, and apply online.
Go to Manage your Mortgage in our app or in Online Banking.
What to do:
- Log in and select your mortgage
- Select ‘Additional borrowing’
More help with your mortgage
Need help? Speak to our mortgage team
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