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Borrowing more money

Already have a Santander mortgage?​ You can apply for an additional loan secured against your property.​

Get up to £500 home energy cashback

You could get cashback if you borrow from us to make energy-efficient home improvements using one of our trusted suppliers

Home energy cashback

Offer available to our mortgage and personal current account customers only. £250 home energy cashback if you borrow between £5,000 and £9,999. £500 home energy cashback if you borrow £10,000 or more. All loans are subject to status. Terms and conditions apply. Offer can be withdrawn at any time.

Additional loans calculator

Find out how much you could borrow, available rates and what your monthly payments might be.

Apply to borrow more

Check if you can borrow what you need before you apply, with a decision in principle. It won’t affect your credit rating. 

Log on to Online or Mobile Banking, choose your mortgage and go to ‘Manage my mortgage’. If agreed, you can continue your application. 

Get online

You can get instant access to Mobile and Online Banking. You need your account details, and the mobile phone that's currently registered for One Time Passcodes (OTPs).

Mobile and Online Banking log on details are the same.

Alternatively, you can get in touch with our mortgage team. 
If you want to borrow less than £5,000 or pay it off in under 5 years, take a look at our other borrowing options 

Do you have a Flexible Offset mortgage?

With a Flexible Offset mortgage you have an agreed additional borrowing limit, at the same rate as your mortgage. You can access your additional borrowing through Online Banking and repay on a repayment or interest only basis. If you need to increase your additional borrowing limit, you can ask for a credit limit review

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. 
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Applications are subject to status and lending criteria.