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Borrow more or extend your mortgage term

If you're thinking about borrowing against your property, a HomeOwner Loan could be right for you.

Your home could unlock your future

Borrowing money against your property might work for you if you need more than £10,000 for something like home improvements or to consolidate debt.

If you plan to use your HomeOwner Loan to refinance existing debt please read our debt consolidation fact sheet.

  • Borrow £10,000+
  • Take advantage of our great rates
  • For new and existing customers

Want to borrow less than £10,000? We may have other options that are better suited to you.

Looking to extend your mortgage term?

If you need to lower your monthly repayments, you could extend the length of your mortgage. By spreading the payments over a longer period of time, you'll pay less monthly, but more overall as your total interest will increase.

Who can apply?

You can apply to borrow more money or extend your term online if you have either:

  • Held your mortgage with us for at least 6 months
  • Paid off your mortgage and remain the property owner
  • You'll need to have consent from all mortgage holders.

Any amount borrowed must be within our maximum loan-to-value (LTV) for the current value of your property.

If you don't meet these criteria, give us a call to discuss your situation. 

Ready to apply?

Apply online

If you meet the requirements to apply online, just log on to online banking to manage your mortgage.

Apply by phone

If you don't meet the criteria to apply online, or you'd like to speak to our mortgage team, give us a call on:

03456 00 61 61

Our lines are open 07:00 to 21:00 every day.

You might be interested in

Our mortgage calculators can help you estimate your monthly payments and see how much you could borrow.
We have a range of mortgages for Jersey, Guernsey and Isle of Man customers.
Find out more about the Bank of England base rate and how it could affect your mortgage rate.
Find out about the types of mortgages available in your region.

Additional information

Think carefully before securing other debts against your property.

Your property may be repossessed if you do not keep up repayments on your mortgage.

    We're here to help you. Find the answers and while you're at it, tell us how we could do better.