Attention: You need JavaScript enabled to use this site.
We use cookies to ensure that we give you the best browsing experience on our website. This includes cookies from third party analytics providers to help us understand how you use our site so we can continually improve. You can delete and block cookies, but parts of our site won't work without them. Manage Cookies
If you’re looking to borrow more on your existing mortgage so you can improve your home or fund a special purchase, then we have a range of products perfect for you.
Use our search tool below to view the deals you may be eligible for.
Please note, the minimum loan amount for additional borrowing is £5,000.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 31/07/2025, followed by 5% of amount repaid until 31/07/2026, followed by 4% of amount repaid until 31/07/2027, followed by 3% of amount repaid until 31/07/2028, followed by 2% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2025, followed by 3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 31/07/2025, followed by 5% of amount repaid until 31/07/2026, followed by 4% of amount repaid until 31/07/2027, followed by 3% of amount repaid until 31/07/2028, followed by 2% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2025, followed by 2% of amount repaid until 31/07/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2025, followed by 2% of amount repaid until 31/07/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2025, followed by 3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 31/07/2025, followed by 5% of amount repaid until 31/07/2026, followed by 4% of amount repaid until 31/07/2027, followed by 3% of amount repaid until 31/07/2028, followed by 2% of amount repaid until 31/07/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2025, followed by 2% of amount repaid until 31/07/2026 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2025, followed by 3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
Representative example
A mortgage of £130,000 payable over 25 years initially on a fixed rate for two years at 5.04% and then on our current standard variable rate of 6.74% (variable) for the remaining 23 years would require an initial payment of £1,300.05, 26 monthly payments of £763.00 and 273 monthly payments of £887.86.
The total amount payable would be £263,670.55 made up of the loan amount plus interest (£133,545.55) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.6% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
If you're planning on borrowing more to make energy efficient improvements to your home, you could benefit from a lower initial interest rate with our Green Additional Borrowing product.
Lines are open 8.30am to 6.00pm Monday to Friday and 8.30am to 12.30pm on Saturday.
