Borrowing more

Borrow more on your
Royal Bank mortgage

Thinking of borrowing more on your Royal Bank mortgage?

Did you know that if you have a residential mortgage with us, in some circumstances, you could borrow up to 90% of the value of your home?

You could borrow extra on your mortgage for:

Home improvements

New and used cars

A dream holiday



We may also be able to help you with additional borrowing for other purposes. Talk to us about your specific needs.

Where there is a consent to let on the property, borrowing is restricted to home improvements, raising equity to buy another property or buying out an existing holder/partner.

Things to consider when borrowing more on your mortgage

  1. 01

    Applications for additional borrowing are subject to the loan to value and must meet our current lending requirements, which include being resident in the UK.

  2. 02

    Minimum amount is £10,000. (A personal loan could be an option if you need less)

  3. 03

    Minimum term 3 years - maximum term 35 years (maximum age 70)

  4. 04

    Additional borrowing is available on a capital and interest repayment basis. You may be able to borrow more on an interest only basis, subject to criteria.

Like some help?

Call our Mortgage Team:

Opening hours:    Mon – Fri        8am – 6pm

                                    Sat                    9am – 4pm

                                    Sun                    Closed

                                    Except public holidays.

Tel:                            0800 056 0567

Relay UK:                18001 0800 056 0567 

Something else we can help you with?