Borrow more

Need To Know
  • New savings rates from 1 July 2022

Borrow more money on your mortgage

How’s the house? If it’s not as great as it could be we might be able to help.

Whether it’s a new kitchen, a bathroom refit, loft conversion, a full on make-over or something else we offer existing mortgage members like you the option to borrow more (subject to affordability).

By borrowing the extra funds you need on a mortgage, you can repay the loan whilst repaying the original amount you borrowed from us, giving you the finances to complete the home improvements that will make your home the perfect place to relax after a day's teaching.

Am I eligible to borrow more?

To borrow more, you'll need to make sure that:


  • You've had your mortgage with us for at least 6 months.
  • You're not behind with your monthly repayments.
  • You’re not on a payment holiday.
  • Your property isn't being let out.
  • You can discuss your income details in full with us at point of application – for example, from your salary, bonuses and any additional income, such as government benefits or investments.
  • You know your monthly outgoings and can discuss them with us at point of application – for example, credit commitments, travel costs or anything you might pay out on any dependents – for example, school fees.

Payment difficulties

If you're struggling financially help is at hand

Apply to borrow more

Please note: Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage. Terms and conditions apply. Mortgages are subject to underwriting and criteria.
Please contact us for full details.

Help is at hand

Contact an experienced advisor who can answer any questions you may have

Find out more