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Borrowing more money

There's more than one way

An affordable way to borrow £5,000 or more

You may be able to borrow more with an additional loan. The borrowing is secured against your home in the same way as your mortgage.

With no booking fees or early repayment charges on some additional loans, it's an easy way to find the money for the things you need and you will need to pay it back on a repayment basis. It doesn't need to be the same term as your mortgage. You could choose a term between 5 and 35 years.

To apply for an additional loan, your existing mortgage and the amount you want to borrow needs to be less than 85% of your home's value.

See what it could cost
Our additional loans calculator lets you know how much you can borrow, the rates available and what your monthly payments might be.

To apply for an additional loan you must:

  • have never been declared bankrupt or been subject to an Individual Voluntary Arrangement (IVA)

  • want to borrow less than 85% of your home's value, including your existing mortgage

  • want to borrow more than £5000

  • want to borrow the money for longer than 5 years.

We have other borrowing options, such as overdrafts, credit cards and personal loans. Learn more about our borrowing options

Borrow against your mortgage

With a Flexible Offset mortgage, you already have an agreed limit for borrowing additional money at the same rate as your mortgage. You can use any available funds you have on your mortgage and can repay this either on a repayment or an interest only basis. In the future, this may be restricted to a repayment basis only.

You can use Online Banking to access your available funds.  Please note, if you want to withdraw any available funds in the future, we may check that you will be able to afford it.

If the limit that was agreed when you took out your mortgage isn’t enough, you can ask for a Credit Limit Review (charges will apply).The maximum LTV you may be able to borrow on your mortgage is shown in your original Key Facts Illustration.

When you change your existing mortgage deal you could borrow more at the same time

You may be able to borrow all the money you need at the same rate by taking a new mortgage deal and borrowing more at the same time if you:

  • have four months or less until the end of your current mortgage deal; or

  • are paying our Standard Variable Rate; or

  • your current Santander mortgage deal does not have an early repayment charge (excluding Flexible Offset mortgages).

Apply in branch or by phone
You can arrange your additional loan or Flexible Credit Limit Review by visiting your branch or over the telephone.

If you have an interest only mortgage or you want to make any other changes to your mortgage at the same time including changing your deal, mortgage term or method of repayment then you need to call us.

To speak to one of our Mortgage Advisers please call us on 0800 092 3881. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.

What to expect at your appointment
One of our Mortgage Advisers will ask you important questions about your needs, circumstances and your finances to complete a full assessment of your income and outgoings. This enables us to work out how much we can lend you and confirm that it’s affordable.

If you’ve made your application over the telephone
We’ll keep you up to date by email or text as we progress your application.

If you have been asked to upload documents ahead of your mortgage appointment and you have any questions then please refer to the Document Upload FAQs that were included in the email you were sent or call us on 0845 601 9629.

If your mortgage appointment has taken place, and you have any questions regarding the progress of your application, you can call 0845 606 0666 for further information.



All applications are subject to status and our lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property.

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Frequently asked questions

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