Complete home improvements
Want to learn more about adding value to your home, the different costs involved and energy saving ideas? Then take a look at our home improvements guide.
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Your home or property may be repossessed if you do not keep up repayments on your mortgage.
For mortgages in more than one name, everyone named on the mortgage is responsible for repaying any extra borrowing - even if only one person uses the money, for example for holidays, a car, or paying off debts.
What is additional borrowing?
Additional borrowing allows you to apply for more money on your existing mortgage for an agreed purpose. Let's take a look at some of the key details.
You're eligible to apply if:
- You have a mortgage with NatWest.
- You're a resident in the UK.
- You're looking to borrow between £10,000 and £500,000 (there may be other more suitable borrowing options. Visit our borrowing needs tool to find out more)
- You're up to date with your current mortgage payments.
- You're looking to borrow for a minimum term of 3 years.
- You've made at least one payment on your existing mortgage.
Additional borrowing is only available on a capital and interest repayment basis. The longer the mortgage term, the more interest you will pay on the capital borrowed. Applications are subject to underwriting and must meet our current lending requirements.
How do I apply?
For residential mortgages, to see if you are eligible to apply, get an indication of cost and, if you're confident, submit an application, you can visit our online additional borrowing application via the app or online banking.
Via the app, just follow the three simple steps below.
- On your mobile or tablet, open the camera and point your device at the QR code.
- A link will pop up, tap this to be taken to the app.
- Once logged in, select your mortgage and click 'Additional borrowing'
Available on selected devices.
Alternatively, you can visit via online banking. Once logged in, select your 'Manage my mortgage' and then click 'Borrow more'.
Need advice? Talk to us to discuss your options.
If you have a Buy to Let mortgage, you will need to call us to speak to our mortgage team to consider your application.
How do I apply?
For residential mortgages, to see if you are eligible to apply, get an indication of cost and, if you're confident, submit an application, you can visit our online additional borrowing application via the app or online banking.
Once logged in, select your mortgage and click 'Additional borrowing'.
Alternatively, you can apply online. Once logged in, select your 'Manage my mortgage' and then click 'Borrow more'.
Need advice? Talk to us to discuss your options.
How do I apply?
For residential mortgages, to see if you are eligible to apply, get an indication of cost and, if you're confident, submit an application, you can visit our online additional borrowing application via the app or online banking.
Once logged in, select your mortgage and click 'Additional borrowing'.
Alternatively, you can apply online. Once logged in, select your 'Manage my mortgage' and then click 'Borrow more'.
Need advice? Talk to us to discuss your options.
Have a Buy to let mortgage?
You will need to call us to speak to our mortgage team to consider your application.
Buy a second/ rental property
Are you looking to buy a second/rental property? Take a look at our second home mortgage options.
Buy a new or used car
Looking to buy a new or used car? We've put together some tips to help you make the right choice.
Need to make your current debts more affordable?
We can consider lending you money to pay off a number of existing debts and bring together under a single payment with your mortgage. This is known as 'Debt Consolidation'.
Think carefully before securing other debts against your home. Consolidating debt may reduce your outgoings now, however you may pay more interest over your mortgage term.
Talk to us
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