Borrowing more

If you already have a mortgage with us and are thinking of borrowing more money to do home improvements — or, you need a large sum for a big purchase — you could borrow more, subject to an assessment of your personal circumstances and eligibility.

Please note, any additional borrowing is secured on your home. It’s also worth keeping in mind that you can only borrow up to 85% of your property's value.

Your options

Here are some borrowing options that may be available to you:

Borrow more and switch your mortgage

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

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

Get advice from our mortgage team

If you’d like to get advice from our friendly mortgage advisers and book an advised mortgage appointment to discuss your borrowing options, call us on 08000 288 288. Lines are open Monday to Friday 9am to 5pm (call charges).

Our Green Additional Borrowing options

As part of our commitment to supporting our customers in becoming more sustainable and energy efficient, we have launched two Green Additional Borrowing products for existing mortgage customers.

As part of eligibility criteria, you’ll need to create an Energy Saving Home Improvement Plan using our free tool powered by Energy Saving Trust (EST).

Create your Energy Saving Improvement Plan

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 fee-free and fee paying products.

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.

Unsecured borrowing

In some cases, taking out a loan or credit card might be a better option for you. Take a look at our comparison of personal loans and credit cards if you’d like to learn more about these options.

Check on the progress of an existing application

If you want to check on the progress of your mortgage application, call us on 08000 288 288. Lines are open 9am to 5pm Monday to Friday (call charges).


If you’re looking for contents and/or buildings cover, The Co-operative Bank offers home insurance with LV=.

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)

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

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