Additional Borrowing

Additional Borrowing guide


We do additional borrowing for customers who want to borrow more on their existing mortgage for an agreed purpose such as home improvements.

Why choose NatWest?

NatWest existing mortgage customers may be able to do additional borrowing. It’s a quick and easy process.  The new borrowing will be secured against their home.  Longer terms are available which could be more affordable for many customers. If your customers existing mortgage deal is expiring/expired they can apply to have their current mortgage and the new borrowing secured under one mortgage deal making it easier to manage one payment. 

Additional borrowing eligibility

  • Customers must have a mortgage with NatWest.

  • They must be resident in the UK.

  • They must be up to date with their current mortgage payments.

  • Only available through intermediaries if applied for in conjunction with a Product Transfer. At least one sub-account must be eligible to switch. Our Product Transfer window is 6 months.

  • Minimum additional borrowing: £10,000.

  • Maximum additional borrowing: £500,000.

  • Maximum LTV: 90%.

  • Maximum age – 75 at the end of the term.

  • Maximum term – the term can be from 3 years to 40 years.


Any additional borrowing must be taken on Capital and  Interest Repayment.

Application Process

Packaging requirements

Our Packaging Requirements for additional borrowing are the same as those for new business applications. 

Where additional borrowing is being raised for home improvements we may require additional information. Please see Home Improvements on our A-Z.

Send additional borrowing supporting documents with the customer’s existing mortgage account number in the email to:


We’ll use a variety of valuation tools to get an up-to-date valuation.

  • For loans over 350k or above 60% (or if the property is a flat) - If we need to instruct a valuation this will be at the bank’s expense.
  • For loans under £350,000 and below 60% LTV - We’ll use the House Price Index valuation as long as the property is not a flat.

Procuration fees

You’ll be paid a procuration fee for additional borrowing. 

The additional borrowing and the product transfer will be processed separately. 

The procuration fee (minimum £250) for the additional borrowing will be paid first, once the funds are released. 

Please see Procuration Fees.


FAQs continued

FAQs continued

Application Updates and Help

Who can update me on the progress of my customer's additional borrowing application?

You can call our Broker line on: 0345 600 0205 (Relay UK: 18001 0345 600 0205) for an update on your customer's application.

The line is open Monday – Friday, 9am to 5pm.

At present, additional borrowing applications are not shown on Case Tracking.

System support:

Contact the Business Development Team via phone or LiveTALK 

Next steps

Log in start you customer's product transfer application.

Familiarise yourself with our product transfer policies and processes.

We have a team of experts ready to support you with any queries.