Unlock extra funds through your existing mortgage. SynergiseUK introduces you to specialist brokers who can help you explore additional borrowing options with competitive rates.
Access to Experienced Additional Borrowing Specialists
SynergiseUK is an introducer, not a mortgage broker.
We connect you with a trusted panel of Specialist Mortgage Brokers who offer whole-of-market access and provide all regulated advice.
If you’re looking to borrow more against your home or Buy-to-Let property—whether for improvements, refurbishment, investment, or personal use—our broker panel can explore the most suitable options.
What Is Additional Borrowing?
Additional borrowing allows you to raise extra funds by increasing your current mortgage borrowing with your existing lender or through a new lender.
Common reasons include:
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Home improvements and extensions
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Consolidating existing debts
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Purchasing another property
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Investment or business purposes
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Funding education or large purchases
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Refurbishing Buy-to-Let or HMO properties
Key benefits:
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Potentially lower rates compared to personal loans
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Longer repayment terms
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Can be more flexible than remortgaging
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Options available for residential, Buy-to-Let, and limited company borrowers
Use our Mortgage Calculator for an early indication of repayment changes.
Why Use SynergiseUK for Additional Borrowing?
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Introduction to Specialists
Brokers with experience in further advances, top-ups, remortgage comparisons, and complex cases. -
Whole-of-Market Access
Brokers compare options from your lender and alternative lenders to find the most suitable deal. -
Solutions for All Borrowers
Homeowners, landlords, portfolio landlords, and limited companies. -
Support with Affordability & Criteria
Brokers assess income, rental stress tests, equity, and lender requirements. -
Exclusive Offers
Some lenders offer additional borrowing deals only available via specialist brokers. -
Smooth and Clear Process
Brokers manage the application, documentation, and lender communication on your behalf.
Unlock Extra Funds with Confidence
SynergiseUK connects you to brokers who can help you raise additional borrowing at competitive rates based on your property and financial goals.
Frequently asked Q&A's
It’s when you increase your current mortgage borrowing to access extra funds.
Not always. Brokers can compare your lender’s offer with alternatives on the open market.
Depends on income, credit history, property value, and equity. Brokers provide a tailored assessment.
Yes—options exist for Buy-to-Let and limited company mortgages.
Yes. Lenders reassess income, rental coverage, or business income depending on the mortgage type.
They can be. Brokers compare lenders to ensure you get the best available rate.
Yes—many borrowers use additional borrowing for extensions, kitchens, bathrooms, or upgrades.
It might. Brokers can explore options to increase or keep your current term.
Typically, 2–8 weeks depending on the lender and paperwork required.
SynergiseUK introduces you to specialist brokers who provide regulated advice and arrange the most suitable additional borrowing options.
A mortgage is a long-term financial commitment and is not suitable for everyone.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Interest rates may be fixed or variable. If you take a variable or tracker mortgage, your repayments could increase if interest rates rise. Changes to your personal circumstances — such as loss of income, illness, or increased living costs — could also affect your ability to meet repayments.
Mortgages often involve additional costs, including arrangement fees, legal fees, valuation fees, early repayment charges, and other lender or adviser fees. Extending the mortgage term may reduce monthly payments but can result in paying more interest overall and remaining in debt for longer.
You should carefully consider affordability now and in the future and seek professional advice before proceeding.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
No. SynergiseUK does not provide mortgage advice or lending decisions.
We act solely as a referral platform, introducing potential customers to authorised mortgage advisers or lenders.
Any advice, affordability assessment, credit checks, and mortgage recommendations will be provided directly by the authorised provider, who is responsible for ensuring the product is suitable for your circumstances and compliant with Financial Conduct Authority regulations.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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