1. Home
  2. Our products
  3. Mortgages
  4. Borrowing more

Borrowing more

Do you need to borrow extra money?

  • Some mortgages available with no product fee.
  • Dedicated case owning team to process your application efficiently.

Your home may be repossessed if you do not keep up with repayments on your mortgage

Discuss your mortgage

Get advice from our friendly mortgage advisers.

call us to talk to an advisor

Existing mortgage customers

Call us on 08000 288 288

Call charges

Your options

If you already have a mortgage with us and you're thinking of doing home improvements or you need a large sum for a big purchase, you could borrow more.

Lending restrictions may apply depending on what you're planning to use the money for.

Borrow more

In some cases, taking out a loan or credit card might be the best course of action. Please visit our credit cards or personal loans pages to find out more about these options. However, if your property's more valuable than your current mortgage, you could have the option to borrow additional money secured against your home.

It's worth keeping in mind that you can only borrow up to 85% of your property's value.

  • You need to think carefully before securing further borrowing against the value of your property, you may end up paying more interest in the long run.

Borrow more and switch your mortgage

If your current mortgage deal’s coming to an end, you could switch deal for a better rate and borrow additional money. Again, the total amount you can borrow can’t be any higher than 85% of your property’s total value.

If you'd prefer not to borrow against your property, you could also consider:

  • Taking out a personal loan
  • Applying for a credit card
  • Our dedicated team of mortgage advisers will help you assess your individual circumstances.

Call us on 08000 288 288

Lines are open 9am – 5pm Monday to Friday

Call charges

More options for your mortgage

Find out how much you could borrow, and compare our different mortgage rates.

See our rates


Got questions?

See if our FAQs can give you the answer.

Go to help and support

The Co-operative Bank reserves the right to change or withdraw any of its mortgage deals at any time. All loans are subject to status and valuation.