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Additional Borrowing

Additional borrowing on a Royal Bank of Scotland mortgage

What is additional borrowing?

Additional borrowing allows you to apply for more money on your mortgage for an agreed purpose. Let's take a look at some of the key details.

You're eligible to apply if:

  • You have a mortgage with Royal Bank of Scotland.
  • You're a resident in the UK.
  • You're looking to borrow between £10,000 and £500,000 (If you need less, there may be other more suitable borrowing options. Visit our borrowing needs tool to find out more).
  • You're up to date with your current mortgage payments.
  • You're 72 years of age or under at the time of application.
  • You've made at least one payment on your existing mortgage.​​

How do I apply?

You can now apply for additional borrowing on your residential mortgage online or through the app. Alternatively, you can call us to speak to one of our qualified mortgage advisers.

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Apply online

For residential mortgages, if you are confident in making the decision yourself, you can apply via the app or through online banking.

However, if you have:

  • Debts you wish to consolidate onto your mortgage.
  • An element of your existing mortgage on an interest only repayment.
  • A mortgage that is part of a 'Help to Buy', shared equity, shared ownership or 'Right to Buy' scheme.

 

You can still receive an indication of costs for any new borrowing via our online application but you will need to speak to one of our qualified mortgage advisers in order to consider your application.

If you have a Buy to Let mortgage, you will need call us to speak to our mortgage team to consider your application.

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Speak to our mortgage team

For residential mortgages you can receive expert advice and a recommendation on a product and borrowing term that suits your needs.

 

If you have:

  • A Power of Attorney
  • A guarantor or 3rd party on your mortgage

 

You will need to speak to our mortgage team in order to consider your application.

 

Call Us:

Tel: 0345 835 0804

Relay UK: 18001 0345 835 0804

Lines are open: 8am – 6pm (Mon – Fri), 9am – 4pm (Sat), Closed (Sun)

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Have big plans that need some extra money?

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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 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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Finance your wedding day

Getting married? Take a look at our guide to find out more about how to plan, budget and save for your wedding.

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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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Need to make your current debts more affordable?

We can consider lending you money to pay off a number of existing debts and bring together under a single payment with your mortgage. This is known as 'Debt Consolidation'.

Do you have the app?

Need help downloading the Royal Bank app? Just follow the two simple steps below. 

  1. On your mobile or tablet, open the camera and point your device at the QR code
  2. A link will pop up, tap this to be taken to the app

Available on selected devices.

Can't scan the QR code?

 

Alternatively, you can apply online.

Do you have the app?

Experience the quickest way to manage your money

Alternatively, you can apply online.

Do you have the app?

Experience the quickest way to manage your money

Alternatively, you can apply online.

Call our Mortgage Team

Call us

Tel:

0345 835 0804

Relay UK

18001 0345 835 0804

Lines are open:

8am - 6pm (Mon - Fri)

9am - 4pm (Sat)

Closed (Sun)

Except bank holidays.

Something else we can help you with?