Top of main content
couple doing renovation

Borrow more on your mortgage

Find out how you can borrow more money against your home

There are many reasons you might want to borrow more on your mortgage, from home improvements to holidays. It allows you to borrow a lump sum of money, secured against your property. This is sometimes called a secured loan.

Why borrow more on your mortgage?

  • Borrow amounts starting from £10,000

  • Pay it back over a longer period of time (5 years minimum)

  • Ideal for bigger purchases, from home improvements to holidays

If you’re looking to borrow less than £10,000, other borrowing options are available. Take a look at more Ways to borrow.

For more information about the differences between a loan secured against your property and an unsecured loan, take a look at our handy video.

Find out how much you could borrow with our online calculator.

Who can apply?

You can apply to borrow more money on your mortgage if you:

  • are the mortgage holder and have held your mortgage with HSBC for at least 6 months, or
  • have paid off your mortgage and remain the property owner

Any additional borrowing you request must be within our maximum LTV (loan-to-value) for the current value of your property.

Applying to borrow more money on your mortgage will have new terms related to the additional borrowing.

All borrowing is subject to your application, status, and financial circumstances.

For debt consolidation loans, please call us. You may also want to read out Debt Consolidation Fact Sheet (PDF, 108KB) first.

Ways to apply


HSBC customers registered for online banking

You can log on here if you want to apply to borrow more or extend your term.

HSBC customers not registered for online banking

If you don’t want to register for online banking, see our other options on how you can apply.

By phone

If you're new to HSBC or want to speak to one of our Mortgage Specialists directly, you can call us on

0800 169 6333

Lines are open from 08:00 to 20:00 on Monday to Saturday, and from 09:00 to 18:00 on Sunday.

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

It’s easy to answer your query online. Visit our Help page to find out how.