Borrowing more

Do you need to borrow extra money?

  • Some mortgages are 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 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. We offer a range of mortgages for existing mortgage customers, including low-deposit and fee-free mortgages. Unfortunately we're unable to offer the following types of mortgages:

  • Buy to Let
  • Help to Buy
  • Mortgages for debt consolidation
  • Interest only mortgages

Appointment and application help

Manage your appointment with a mortgage adviser and check the progress of your application.

To discuss your existing mortgage or to check the progress of your mortgage application call us on 08000 288 288 . Lines are open 9am – 5pm Monday to Friday. Call charges.

Information or documents you'll need to apply

When you apply for a mortgage, we'll need some things from you, such as:

  • Details of your names and addresses for the last 3 years
  • Details of your current income
  • Details about the property


The Co-operative Bank offers home insurance with Fairmead Insurance Limited

Got questions?

See if our FAQs can give you the answer.

Important information

These important documents lay out our responsibilities to you and the terms and conditions of our products and services.

Mortgages legal information

PDF documents

Tariff of charges (PDF)

General information for regulated mortgages (PDF)

How we use your personal information (PDF)

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