Want to borrow more against your property?
If you’re an existing customer with us, additional borrowing on your mortgage could allow you to achieve your goals.
Your home may be repossessed if you don’t keep up with your mortgage repayments.
You could borrow up to 85%, or 80% if you're consolidating any debt. This limit includes your current mortgage balance, and any extra money you'd like to borrow.
If you've got a good credit score and can afford your higher repayments, additional borrowing could be the right option for you.
Additional borrowing could offer a more streamlined and flexible option, allowing you to borrow more against your property, using the current value of your home, on a different term and a rate that works around you. You won’t have to wait until the end of your current term to access this loan, and you can choose from a range of options to suit your borrowing needs.
You can see our rates here [PDF], or use the Barclays app to explore your options and see the extra monthly cost for any new borrowing.
Whether that’s extending, updating your layout, or making upgrades that support the way you want to live, additional borrowing could help you shape a home that truly works for you.
If you'd like to bring any other borrowing together into one simple monthly payment, additional borrowing could make things feel more manageable.
To explore your options, please call us on 0333 202 7580* – we’re here Monday to Friday from 8am to 8pm, and from 9am to 5pm on Saturdays and bank holidays.
Making green upgrades to your home can help improve energy efficiency and reduce your bills. This includes improving insulation, installing solar panels or switching to low‑carbon heating solutions like a heat pump.
GIF shows smartphone with the Barclays app open. We see the Accounts page open, with a summary of open Barclays accounts.
The ‘Additional Borrowing’ button is pressed. This takes us to a new screen, showing us what has been borrowed. Then the ‘Mortgage Account’ button is pressed.
Take a look at your options and apply for your additional borrowing in the app. Choose your mortgage, then select ‘Additional borrowing’.
When you apply in our app, we won't check if your chosen mortgage is right for you. You also won’t be able to change the term, type, or any other part of your current mortgage.
Not registered for our app? Find out how to register.
If you’d like personalised advice, need to change your mortgage (such as your term or rate), or any of the situations below apply, please book an appointment.
Call 0333 202 7580 to book an appointment. Our mortgage experts are available Monday to Friday from 8am to 8pm, Saturday from 9am-5pm, and bank holidays from 9am-5pm.
View our latest additional borrowing rates and product details in the documents below.
Focus on the future with a personal loan
When it comes to putting your plans into action, it’s personal. And with a personalised loan just a few clicks away, getting things moving could be simpler than you think. Get your loan rate before you apply – without it affecting your credit score.
Subject to application, financial circumstances and borrowing history
Want to buy now and spread the cost? Transfer balances? Earn as you spend? Got a limited credit history? Then there could be a Barclaycard for you.
Protect your family
Have you thought about what would happen to your loved ones if you died or became terminally ill?
With Barclays Simple Life Insurance, you can help give your loved ones some financial security.
Take out a Barclays life insurance policy and get:
To be eligible, you need to 1) apply by 25 November, 2) start the policy within six months and 3) keep the policy for at least twelve months and make all monthly payments.
You must not have held a Barclays life insurance policy within the last twelve months. T&Cs, eligibility criteria and exclusions apply.
Peace of mind for your home
Whether you’re a first-time buyer or only have a few years left on your mortgage, make sure your home is protected if you die or become terminally ill.
With optional critical illness cover, you can help give your loved ones some financial security.
Take out a Barclays life insurance policy and get:
To be eligible, you need to 1) apply by 25 November, 2) start the policy within six months and 3) keep the policy for at least twelve months and make all monthly payments.
You must not have held a Barclays life insurance policy within the last twelve months. T&Cs, eligibility criteria and exclusions apply.
Subject to application, financial circumstances & borrowing history. T&Cs apply