Your home or property may be repossessed if you do not keep up repayments on your 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.
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, you will need call us to speak to our mortgage team to consider your application.
Speak to our mortgage team
For residential mortgages you can receive expert advice and a recommendation on a product and borrowing term that suits your needs.
If you have:
- A Power of Attorney
- A guarantor or 3rd party on your mortgage
You will need to speak to our mortgage team in order to consider your application.
Call Us:
Tel: 0345 835 0804
Relay UK: 18001 0345 835 0804
Lines are open: 8am – 6pm (Mon – Fri), 9am – 4pm (Sat), Closed (Sun)
Have big plans that need some extra money?
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.
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.
Finance your wedding day
Getting married? Take a look at our guide to find out more about how to plan, budget and save for your wedding.
Buy a second/rental property
Are you looking to buy a second/rental property? Take a look at our second home mortgage options.
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.
Do you have the app?
Need help downloading the Royal Bank 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.
Do you have the app?
Alternatively, you can apply online.
Do you have the app?
Alternatively, you can apply online.
Call our Mortgage Team
Call us
Lines are open:
8am - 6pm (Mon - Fri)
9am - 4pm (Sat)
Closed (Sun)
Except bank holidays.