Complete home improvements
Want to learn more about adding value to your home, the different costs involved and energy saving ideas? Then take a look at our home improvements guide.
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Your home or property may be repossessed if you do not keep up repayments on your mortgage.
What is additional borrowing?
Additional borrowing allows you to apply for more money on your existing mortgage for an agreed purpose. Let's take a look at some of the key details.
You're eligible to apply if:
- You have a mortgage with NatWest.
- You're a resident in the UK.
- You're looking to borrow between £10,000 and £500,000 (there may be other more suitable borrowing options. Visit our borrowing needs tool to find out more)
- You're up to date with your current mortgage payments.
- You're looking to borrow for a minimum term of 3 years.
- You've made at least one payment on your existing mortgage.
Additional borrowing is only available on a capital and interest repayment basis. The longer the mortgage term, the more interest you will pay on the capital borrowed. Applications are subject to underwriting and must meet our current lending requirements.
How do I apply?
You can now apply for additional borrowing on your residential mortgage online or through the app. Alternatively, you can call us to speak to one of our qualified mortgage advisers.
Buy a second/ rental property
Are you looking to buy a second/rental property? Take a look at our second home mortgage options.
Buy a new or used car
Looking to buy a new or used car? We've put together some tips to help you make the right choice.
Need to make your current debts more affordable?
We can consider lending you money to pay off a number of existing debts and bring together under a single payment with your mortgage. This is known as 'Debt Consolidation'.
Think carefully before securing other debts against your home. Consolidating debt may reduce your outgoings now, however you may pay more interest over your mortgage term.
Apply online
For residential mortgages, if you are confident in making the decision yourself, you can apply via the app or through online banking.
However, if you have:
- Debts you wish to consolidate onto your mortgage.
- An element of your existing mortgage on an interest only repayment.
- A mortgage that is part of a 'Help to Buy', shared equity, shared ownership or 'Right to Buy' scheme.
You can still receive an indication of costs for any new borrowing via our online application but you will need to speak to one of our qualified mortgage advisers in order to consider your application.
If you have:
- A Buy to let mortgage
- A Power of Attorney
- A guarantor or 3rd party on your mortgage
You will need to call us to speak to our mortgage team to consider your application.
To apply via the app, just follow the two simple steps below.
- On your mobile or tablet, open the camera and point your device at the QR code.
- A link will pop up, tap this to be taken to the app.
Available on selected devices.
Alternatively, you can apply online.
Apply online
For residential mortgages, if you are confident in making the decision yourself, you can apply via the app or through online banking.
However, if you have:
- Debts you wish to consolidate onto your mortgage.
- An element of your existing mortgage on an interest only repayment.
- A mortgage that is part of a 'Help to Buy', shared equity, shared ownership or 'Right to Buy' scheme.
You can still receive an indication of costs for any new borrowing via our online application but you will need to speak to one of our qualified mortgage advisers in order to consider your application.
If you have:
- A Buy to let mortgage
- A Power of Attorney
- A guarantor or 3rd party on your mortgage
You will need to call us to speak to our mortgage team to consider your application.
Alternatively, you can apply online.
Apply online
For residential mortgages, if you are confident in making the decision yourself, you can apply via the app or through online banking.
However, if you have:
- Debts you wish to consolidate onto your mortgage.
- An element of your existing mortgage on an interest only repayment.
- A mortgage that is part of a 'Help to Buy', shared equity, shared ownership or 'Right to Buy' scheme.
You can still receive an indication of costs for any new borrowing via our online application but you will need to speak to one of our qualified mortgage advisers in order to consider your application.
If you have:
- A Buy to let mortgage
- A Power of Attorney
- A guarantor or 3rd party on your mortgage
You will need to call us to speak to our mortgage team to consider your application.
Alternatively, you can apply online.
Talk to us
By calling us
Lines are open:
8am - 6pm (Mon - Fri)
Except bank holidays.
9am - 4pm (Sat)
Closed (Sun)