Additional borrowing

Want to borrow more against your property?

See how we could help you apply for additional borrowing on your mortgage.

GIF shows smartphone with the Barclays app open. We see the Accounts page open, with a summary of open Barclays accounts.

The ‘Additional Borrowing’ button is pressed. This takes us to a new screen, showing us what has been borrowed. Then the ‘Mortgage Account’ button is pressed.

Apply in the Barclays app

Take a look at your options and apply for your additional borrowing in the app. Choose your mortgage, then select ‘Additional borrowing’.

When you apply in our app, we won't check if your chosen mortgage is right for you. You also won’t be able to change the term, type, or any other part of your current mortgage.

Not registered for our app? Find out how to register.

Want to consolidate your debt?

Our mortgage advisers can

Talk to you about your existing mortgage and available options
Recommend a rate and term that’s right for you

Book an appointment if you

Need advice
Want to change your existing mortgage term or rate
Want to consolidate any debts
Have significantly increased the value of your property (for example, through renovations)

Call 0333 202 7580 to book an appointment. Our mortgage advisers are available Monday to Friday from 7am to 8pm, and from 7am to 5pm at weekends. To maintain a quality service, we may monitor or record phone calls. Call charges.

Our additional borrowing rates

See our full mortgage range [PDF, 562KB], download our tariff of mortgage charges [PDF, 265KB] and read our legal information.

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Product fee	Annual percentage rate of charge	Initial rate	Follow on rate	Early repayment charge	Loan to value (LTV)
Product fee	Annual percentage rate of charge	Initial rate	Follow on rate	Early repayment charge	Loan to value (LTV)
3.98% 5 Year Fixed Reward. More detailsHide detailsCompare
£999	5.5% APRC	3.98% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £1,000, Max loan £2,000,000)
4.06% 2 Year Fixed Reward. More detailsHide detailsCompare
£999	6.2% APRC	4.06% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £1,000, Max loan £2,000,000)
4.14% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	5.5% APRC	4.14% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £1,000, Max loan £2,000,000)
4.16% 5 Year Fixed Reward. More detailsHide detailsCompare
£999	5.6% APRC	4.16% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £1,000, Max loan £2,000,000)
4.21% 2 Year Fixed Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	6.2% APRC	4.21% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	70% (Min loan £1,000, Max loan £10,000,000)
4.22% 5 Year Fixed Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	5.5% APRC	4.22% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	70% (Min loan £1,000, Max loan £10,000,000)
4.25% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	5.5% APRC	4.25% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £1,000, Max loan £2,000,000)
4.26% 2 Year Fixed Reward. More detailsHide detailsCompare
£999	6.3% APRC	4.26% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £1,000, Max loan £2,000,000)
4.36% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.2% APRC	4.36% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £1,000, Max loan £2,000,000)
4.44% 5 Year Fixed Reward. More detailsHide detailsCompare
£999	5.7% APRC	4.44% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £1,000, Max loan £2,000,000)
4.48% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.2% APRC	4.48% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £1,000, Max loan £2,000,000)
4.64% 2 Year Tracker Reward. More detailsHide detailsCompare
£999	6.3% APRC	4.64% (BEBR +0.14%) variable for 2 years *	6.49% variable for the remaining term *	None	60% (Min loan £1,000, Max loan £2,000,000)
4.66% 5 Year Fixed Reward. More detailsHide detailsCompare
£0	5.8% APRC	4.66% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £1,000, Max loan £2,000,000)
4.75% 10 Year Fixed Reward. More detailsHide detailsCompare
£749	5.3% APRC	4.75% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	75% (Min loan £1,000, Max loan £2,000,000)
4.75% 2 Year Fixed Reward. More detailsHide detailsCompare
£999	6.4% APRC	4.75% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	85% (Min loan £1,000, Max loan £2,000,000)
4.80% 2 Year Tracker Reward. More detailsHide detailsCompare
£999	6.4% APRC	4.80% (BEBR +0.30%) variable for 2 years *	6.49% variable for the remaining term *	None	75% (Min loan £1,000, Max loan £2,000,000)
4.83% 10 Year Fixed Reward. More detailsHide detailsCompare
£0	5.3% APRC	4.83% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	75% (Min loan £1,000, Max loan £2,000,000)
4.85% 2 Year Tracker Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	6.3% APRC	4.85% (BEBR +0.35%) variable for 2 years *	6.49% variable for the remaining term *	None	70% (Min loan £1,000, Max loan £10,000,000)
4.96% 2 Year Tracker Reward. More detailsHide detailsCompare
£999	6.4% APRC	4.96% (BEBR +0.46%) variable for 2 years *	6.49% variable for the remaining term *	None	90% (Min loan £1,000, Max loan £2,000,000)
4.97% 2 Year Fixed Reward. More detailsHide detailsCompare
£0	6.3% APRC	4.97% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	85% (Min loan £1,000, Max loan £2,000,000)
4.99% 2 Year Tracker Reward. More detailsHide detailsCompare
£0	6.3% APRC	4.99% (BEBR +0.49%) variable for 2 years *	6.49% variable for the remaining term *	1% of the balance repaid for the initial 2 year period	60% (Min loan £1,000, Max loan £2,000,000)
5.00% 2 Year Tracker Reward. More detailsHide detailsCompare
£0	6.3% APRC	5.00% (BEBR +0.50%) variable for 2 years *	6.49% variable for the remaining term *	1% of the balance repaid for the initial 2 year period	75% (Min loan £1,000, Max loan £2,000,000)
5.09% 10 Year Fixed Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	5.5% APRC	5.09% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	70% (Min loan £1,000, Max loan £10,000,000)
5.10% 5 Year Tracker Reward. More detailsHide detailsCompare
£999	6.1% APRC	5.10% (BEBR +0.60%) variable for 5 years *	6.49% variable for the remaining term *	None	60% (Min loan £1,000, Max loan £2,000,000)
5.13% 1 Year Fixed Reward. More detailsHide detailsCompare
£0	6.5% APRC	5.13% until 30th June 2026	6.49% variable for the remaining term *	1% of the balance repaid until 30 June 2026	60% (Min loan £1,000, Max loan £2,000,000)
5.34% 1 Year Fixed Reward. More detailsHide detailsCompare
£0	6.6% APRC	5.34% until 30th June 2026	6.49% variable for the remaining term *	1% of the balance repaid until 30 June 2026	75% (Min loan £1,000, Max loan £2,000,000)
5.36% 2 Year Tracker Reward. More detailsHide detailsCompare
£99	6.4% APRC	5.36% (BEBR +0.86%) variable for 2 years *	6.49% variable for the remaining term *	None	80% (Min loan £1,000, Max loan £2,000,000)
5.50% 5 Year Tracker Reward. More detailsHide detailsCompare
£999	6.3% APRC	5.50% (BEBR +1.00%) variable for 5 years *	6.49% variable for the remaining term *	None	85% (Min loan £1,000, Max loan £2,000,000)
5.70% 2 Year Tracker Reward. More detailsHide detailsCompare
£0	6.5% APRC	5.70% (BEBR +1.20%) variable for 2 years *	6.49% variable for the remaining term *	1% of the balance repaid for the initial 2 year period	90% (Min loan £1,000, Max loan £2,000,000)
5.72% 2 Year Offset Tracker Reward. More detailsHide detailsCompare
£1749	6.7% APRC	5.72% (BEBR +1.22%) variable for 2 years *	6.49% variable for the remaining term *	Full redemption: 1% of the original balance for 2 years	80% (Min loan £1,000, Max loan £2,000,000)
5.75% 5 Year Offset Tracker Reward. More detailsHide detailsCompare
£1749	6.5% APRC	5.75% (BEBR +1.25%) variable for 5 years *	6.49% variable for the remaining term *	Full redemption: 1% of the original balance for 5 years	80% (Min loan £1,000, Max loan £2,000,000)
6.31% 1 Year Fixed Reward. More detailsHide detailsCompare
£0	6.7% APRC	6.31% until 30th June 2026	6.49% variable for the remaining term *	1% of the balance repaid until 30 June 2026	90% (Min loan £1,000, Max loan £2,000,000)
6.40% 2 Year Offset Tracker Reward (Min Loan £2m). More detailsHide detailsCompare
£1999	6.7% APRC	6.40% (BEBR +1.90%) variable for 2 years *	6.49% variable for the remaining term *	Full redemption: 1% of the original balance for 2 years	70% (Min loan £2,000,000, Max loan £10,000,000)

*BEBR means the Bank of England Base Rate, which is currently 4.50% (effective 06 February 2025).

Representative example:

A capital and interest mortgage of £146,474 payable over 242 months on a fixed rate of 4.97% for 2 years and then our variable tracker rate of 1.99% above the Bank of England Base Rate (currently 4.50%), for the remaining term would require 24 monthly payments of £959.58 and 218 monthly payments of £1,076.19.

The total amount payable would be £257,719.34 made up of the loan amount plus interest and £0 (product fee), £80 (final repayment charge), £0 (completion fee).

The overall cost for comparison is 6.3% APRC representative.