Additional Borrowing

Additional borrowing on your mortgage

Have big plans that need some extra money?

Complete home improvements

Buy a new or used car

Finance your wedding day

Pay for a dream holiday

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.

Mortgage with Royal Bank?

If you are an existing customer, you can apply for 'additional borrowing' on your mortgage.

Whether tied into a current mortgage deal or not, we have options which could help you.

Mortgage elsewhere?

Move your existing mortgage to us and apply for additional borrowing at the same time.

See our rates, calculate repayments and even submit an application. Just visit our Remortgage to Royal Bank page to find out more.

How much can I borrow?

The mortgage rates we offer will depend on your Loan to Value (LTV) and we'll need to take you through an affordability assessment and credit score. So before you call, here's a few helpful tips to prepare.

1. Get a free indication of your property value

Understand the rates we could offer by learning about your current property value.

Log in to Manage my Mortgage for an instant indication of your property value.

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2. Read our life moments guides     

Whether it's understanding how to add value to your home or supporting you through big life events, we could help you manage your money.

Click below for a list of common reasons to borrow.

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3. Check your credit score

We'll need to credit score you before lending.

Mortgage customers can get a free soft credit check completed whenever you need, as well as direct access to our online mortgage portal via the mobile app.

It's quick and easy to download and register. Start by following the link below.

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Want to spruce up your home?

Want to learn more about....

  • Adding value to your home?
  • How to plan your changes?
  • The different costs involved?
  • Energy savings ideas?
  • Getting planning permission?

Then take a look at our Home Improvements guide

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'.

Other common reasons to borrow

Second/ rental property

New or used car

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 40 years (35 if it's an interest only or Buy to Let mortgage). 

  4. 04

    You will need to be able to repay your mortgage in full before you are: 

     - 75 for a capital and interest mortgage

     - 70 for a residential interest only mortgage

     - 80 for a Buy to Let mortgage.

  5. 05

    Additional borrowing is available on a capital and interest repayment basis.

  6. 06

    If you would like an agreement in principle please have your monthly income and commitments to hand.

Call our Mortgage Team

Call us


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?