Borrowing More

Additional borrowing is a convenient way for you to release the value tied up in your property. It could be perfect if you want to fund the ideas you have for your home.

Key Features

  • Minimum borrowing is £10,000
  • No arrangement fee
  • You must have had a Bank of Scotland mortgage for more than 6 months
  • Your payments must be up-to-date for the three months before you apply
  • Our mortgage advisers will recommend which loan best fits your needs and circumstances and how it will affect your monthly mortgage payments
  • Additional borrowing is subject to valuation, income, affordability and credit checks

How to apply

  • If you have an account number that starts with a 10, then please contact us on 03457 273747. Lines are open Mon-Fri 8am-8pm and Sat 9am - 4pm.
  • If you have an account number that starts with a 70, then please contact us on 0345 8500842. Lines are open Mon-Fri 8am-8pm.
  • If you have an account number that starts with anything else, then please contact us on 0345 608 0263. Lines are open Mon-Fri 8am-8pm and Sat 9am - 4pm.


Please be aware that our mortgage advisers will ask you about your needs and circumstances and then recommend our most suitable mortgage for you.

You could lose your home if you don't keep up your mortgage repayments