Borrowing more

Get some extra money to do the things you want to do


Additional borrowing on a mortgage

If you want to improve your home and need some extra money to make this happen, we're here to help. At YBS it's possible to take out additional borrowing on a mortgage - so if you're thinking of building an extension, fancy a new kitchen or have some urgent repairs to deal with then talk to us today.

What are the benefits?

  • Competitive deals

    Choose from special existing customer deals including fixed and offset fixed rates.

  • Borrow just what you need

    Get up to 85% of the value of your home.

  • Spread your repayments

    Pay back your additional loan over a term that suits you - minimum 5 years, maximum 40 years.

  • No Higher Lending Charge

    We’ll pay this on your behalf – find out more about the Higher Lending Charge.

  • Insurance discount offer

    You could receive a 15% discount on our You Choose Home Insurance (on buildings, contents or both) when you take out an additional loan.

Am I eligible?

  • If your additional lending is for any home improvements you will need to provide estimates of work and planning approval.
  • When you’re ready to apply, you will need to make sure that you have had your existing mortgage for a minimum of six months, have made all your repayments on time and that there are no arrears.
  • You should refer to our lending criteria before you apply.

How does it work?


Use our calculator

Get a quick estimate of how much extra you could borrow.

Takes approximately 2 minutes to complete

You'll need your mortgage account number. If it's not to hand, don't worry - just jump to Step 2.


View our deals

Take a look at our additional lending deals for existing customers.


Get in touch

Talk to us over the phone.

0345 1200 822*

9am - 6pm Mon-Fri 9am - 1pm Sat

What happens next?

Once you’ve made an appointment with our qualified and friendly Mortgage Adviser, they’ll be able to tell you how much extra you could borrow, as well as recommend a product that’s suitable for your needs and provide you with an illustration of what your monthly payments might be. Part of this will involve checking your credit reference file. When you’re happy to go ahead, our adviser will submit the paperwork for you and we’ll take care of the rest.

Some things to be aware of

If you’ve decided to go ahead with some additional borrowing on a mortgage then you may need a new valuation (sometimes called a ‘revaluation’). If a revaluation applies, there is a £70 valuation fee to pay which is non-refundable.

Read more about valuations

If the additional lending you need is part of a property purchase or to do a Transfer of Equity (adding or removing someone from the mortgage) you may need to consult a solicitor.

Call us or book an appointment

Speak to one of our friendly mortgage advisers about your options.

Request an appointment

0345 1200 822*

9am - 6pm Mon-Fri 9am - 1pm Sat