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  4. How much extra can I borrow?

How much extra can I borrow?

To apply for an additional loan you must:

  • Have an existing Santander mortgage​
  • Borrow at least £5,000 ​
  • Borrow the money for at least 5 years ​
  • Borrow less than 85% of your home’s value, including your existing mortgage and the additional loan​
  • Not be declared bankrupt or subject to an Individual Voluntary Agreement
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About you
2
Your Result
About you
Your Result

About you

How many people are applying?

3+ applicants

Excluding the applicant(s), how many people are you financially responsible for?
How long would you like your additional loan for?
Are you using the additional loan for debt consolidation?

We don’t offer additional loans for debt consolidation. If you want to consolidate any debts and require advice please contact unbiased.co.uk

Your mortgage

Please show each loan separately if you have more than one. You can find this information on your latest mortgage statement.

The remaining term
The repayment method

We do not offer additional loans above a maximum LTV of 85% including your existing mortgage.

Maximum additional loan term is 25 years if any element of your mortgage is on interest only.

Depending on how you’re planning to pay back your interest only mortgage, we may restrict your additional loan term to your current mortgage term.

Your income

e.g. basic salary including any employed allowances such as car allowances, London weighting, net profit if self-employed or pension income if retired.
Do you have any other regular income?
e.g. bonus, commission, overtime, child benefit, tax credits or child maintenance.
e.g. child benefit or tax credits

Second applicant's income

e.g. basic salary including any employed allowances such as car allowances, London weighting, net profit if self-employed or pension income if retired.
Does the second applicant have any other regular income?
e.g. bonus, commission, overtime, child benefit, tax credits or child maintenance.
e.g. child benefit or Tax Credits

Your outgoings (for all applicants)

Don’t include any personal or household spend as we’ll take averages into account when we consider lending to you

Don’t include credit cards that have been repaid in full each month for the last 6 months.
(excluding credit cards).
e.g. school fees (exclude household expenditure such as gas, electric and food).

We don’t offer additional loans for debt consolidation. If you want to consolidate any debts and require advice please contact unbiased.co.uk

Ways to apply

Online

Get an instant decision in principle and apply online.

Log on to Mobile or Online Banking, choose your mortgage account, then 'Manage my mortgage'.

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.​

Get access

Alternatively, you can get in touch with our mortgage team. 

Important information

Calculator is for illustrative purposes only.

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. Applicants must be UK residents aged 18 or over.