Borrowing More - Mortgages - RBS


Borrowing more

Existing mortgage customers

Borrow more on existing mortgage Borrow more on new deal

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

Existing mortgage customers Need to borrow more?

You could borrow up to 90% loan to value of your property for almost any purpose. 


Applications for additional borrowing are subject to the loan to value and must meet our current lending requirements.  

Borrowing more Your additional borrowing options

Additional borrowing range on an existing mortgage

If you are considering borrowing more on your mortgage, and already have a mortgage with us, we may be able to loan you up to 90% of your property’s value.

We have an additional borrowing range that you can choose a new deal from.

Existing customers - additional borrowing

Switching to a new deal and taking additional borrowing

If you are switching to a new deal and would like to borrow more at the same time, you can benefit from taking all borrowing at the same rate and you will only pay one product fee.

You can search online but if you would like to discuss your options, please call a mortgage adviser on the number shown at the bottom of this page.

Existing customers - changing deal


Key points to remember


 The minimum additional borrowing is £10,000

 Additional borrowing is only available on a "Capital & Interest" basis


We will lend to you based on the valuation we hold for your property. If you feel this valuation has changed, you can speak to our advisers to discuss your options. You can find your outstanding mortgage balance on your latest annual statement - use this and the valuation we hold for you to calculate your LTV.

Other options RBS Personal Loans

A personal loan may be a more suitable option for your borrowing needs.

Find our more about our loans

You must be over 18 and an existing RBS current account customer. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. 

Protecting your money

We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person. Further information is available here  ( 650K PDF) or visit


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