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Additional Borrowing


For existing mortgage customers

Intermediaries please click here >


If you are considering applying for further borrowing, whether it’s to make some changes to your home, or for another important item, Platform are here to help.


To help guide you in the right direction, please consider the following:

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You must have had your Platform mortgage for at least 6 months. 

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Residential mortgage holders can borrow up to 85% of the value of your home for home improvements and 75% for other items such as a car, subject to our lending criteria. A revaluation may be required.

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Further lending is only available up to 90% LTV where customers are purchasing an additional legal interest, ie. buying-out their partner.

Bullet pointFor BTL mortgage customers, the maximum loan-to-value rate for home improvements is 75% and 70% for other items.

Bullet pointWe do not allow you to consolidate outstanding debts, such as credit card balances, onto your mortgage.

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The minimum amount you can borrow is £5,000.
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A minimum term of 5 years and a maximum term of 40 years apply, subject to lending policy. You may align the term of your further borrowing with your main mortgage or you can take this over a different term, eg. if you want to pay your additional borrowing off quicker.

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Your account must be up to date and not been in arrears during the last 6 months.

Bullet pointFurther lending for residential mortgage holders will not be considered if your property is being let out.


If we agree any additional borrowing, it will not be based on the product and interest rates offered for new business. Your additional borrowing will be based on our range of Platform Additional Borrowing Rates, which can be found in the link below. These interest rates change over time and they may be higher than your existing rate on your main mortgage. Therefore it is important that you review our rates or contact us at the time you are interested to determine what your options will be.


Any borrowing you take up will increase the amount of borrowing secured on your home.


Click here to view Platform Additonal Borrowing Rates >.


Other changes to your mortgage


You may be considering adding or removing someone from your mortgage account, porting your existing mortgage to a new property or some other change to your mortgage account. Platform can help manage these requests for you.


If you want to make a new enquiry


If you would like to make a new enquiry for any of these services, please call us directly on 01752 236550 between 8.30am and 5.00pm on Monday to Friday.

Assuming you want to continue with your application, the next step would be to arrange an appointment, where we’ll discuss your situation with you, check it’s affordable and let you know whether your application has been successful.


If you have already returned your application form


If you have already returned your application form and have been asked to complete a direct debit mandate or any other document in support of your application, go to literature for additional lending >


After completing all sections of your form, please return it to Platform, PO Box 237, Plymouth, PL1 1WG.

Please note, all loans will be subject to terms and conditions.





The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.


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