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Borrowing more money

There's more than one way

Borrow £5,000 or more with an additional loan

The borrowing is secured against your home in the same way as your mortgage.

With no product 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.

If you have Online Banking you can get an up-to-date view of your mortgage. Some of the account details you may be able to see include:

  • outstanding mortgage balance and term remaining

  • next monthly repayment

  • current product details, including the interest rate, when your deal ends and whether an early repayment charge applies

  • the last twelve months of payments, including any overpayments you’ve made.

If you have a Santander current account, savings account or credit card as well as a Santander mortgage, sign up for Online and Mobile Banking

If you have a Santander mortgage but no current account, savings account or credit card, sign up here. You'll need your mortgage account number which you can find on your latest statement.

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.

View and manage your Flexible Offset mortgage online

If you have a Santander current account, savings account or credit card as well as a Santander mortgage, sign up for Online and Mobile Banking here

If you have a mortgage with us but no Santander current account, savings account or credit card, you can still sign up to view and manage your mortgage online. You'll need your mortgage account number, which you can find on your latest statement.

Alternatively, you could sign up by calling 0800 783 9738. We're open 8am to 7pm Monday to Friday and 9am to 2pm on Saturday.

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 0800 085 1363.

If your mortgage appointment has taken place, and you have any questions regarding the progress of your application, you can call 0800 085 1495 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.

Our awards

Our awards

Frequently asked questions

  • You have an interest only mortgage if:

    • your mortgage is described as interest only on your paperwork and mortgage statement

    • your monthly payments do not pay off the capital (the money you've borrowed) on your mortgage.

    • you have an endowment, ISA or other repayment plan to pay off your mortgage.

  • This is where you only have a single loan active on your mortgage account. You could have more than one active loan on your mortgage if:

    • you've taken out an additional loan with us;

    • you've transferred a product and increased your overall mortgage when you moved house; or

    • you have more than one type of repayment method i.e. part of your loan is on repayment and part is on interest only.

    If you're unsure, your latest annual mortgage statement will show the number of active loans. Please ignore any loans with a £0.00 balance.

  • Can't find what you are looking for? Find more on the mortgages FAQs page.

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