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Existing mortgage customers

Borrow more money on your NatWest mortgage

You can apply to borrow extra money on your current NatWest mortgage. This extra money must be for a clear purpose. Your new payments are added to your usual monthly mortgage payment.

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.

On this page

What is additional borrowing? Open in new window
Plans for extra money Open in new window
Debt consolidation Open in new window
Applying for additional borrowing Open in new window
Get in touch Open in new window
Manage your mortgage Open in new window

What is additional borrowing?

Additional borrowing is extra money added to your NatWest mortgage for an agreed purpose. Here are the key things to know:

  • It’s still a mortgage: The extra money is secured against your home.
  • How much you can borrow: For residential mortgages, we may be able to lend up to 90% of your property’s value.
  • Valuation:  We don't charge a valuation fee for additional borrowing.
  • How you repay it: Your new borrowing is added to your monthly mortgage payment.
  • How long you can borrow for: You can borrow for 3 to 40 years. For interest‑only or Buy to Let mortgages, the longest term is 35 years.
  • If your mortgage deal is ending: If your mortgage deal has ended or is ending soon, you can ask us to put your current mortgage and your new borrowing into one deal.

New to NatWest? You can check our rates, work out your repayments and even apply online on our Remortgage to NatWest page.

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You can only take additional borrowing on a capital and interest 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.

Got a big plan that needs a bit more money to make it happen?

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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.

Complete home improvements

Planning home improvements? Explore ideas, understand the costs involved and find guidance to help bring your project to life.

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Guide to home improvements Open in new window

Buy a second/ rental property

Are you looking to buy a second/rental property? Take a look at our second home mortgage options.

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Guide to buying a second home Open in new window

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.

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Guide to buying a car Open in new window

Energy-saving home improvements

Looking to make your home more energy efficient? Visit our Home Energy Hub for ideas, guidance and support

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Home energy hub Open in new window

Want help making your 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'.

Find out more about debt consolidation Open in new window

How to applying for additional borrowing

Check if you're eligible to apply

  • You have a mortgage with NatWest.
  • You're a resident in the UK.
  • You're looking to borrow between £10,000 and £500,000 (If you need a different amount, our borrowing needs tool can help you explore the options.)
  • You're up to date with your current mortgage payments.
  • You want to borrow for at least 3 years, and mortgage terms can last up to 40 years or until your 75th birthday, whichever comes first.
  • You've made at least one payment on your existing mortgage.​​
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How do I apply?

For residential mortgages, you can check if you are eligible, see the cost, and apply online. Via our app or in Online Banking.

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Log in and manage your mortgage Open in new window

Have a Buy to let mortgage?

If you have a Buy to Let mortgage, you will need to call us to speak to our mortgage team to consider your application.

Contact our mortgage team Open in new window

Need some help? Speak to our mortgage team

Call us

We're on hand to arrange a phone or video call with one of our qualified mortgage professionals. We can also help with any general queries about the process. 

Call us on 0345 302 0190

Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. Excluding public holidays.

Relay UK: 18001 0800 096 9527

Written by: Mortgages Team

Reviewed by: Financial Promotions Approvals team

Last updated on: 23/04/2026