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Learn more about our borrowing options Borrow against your mortgage With a Flexible Offset mortgage, you already have an agreed limit for borrowing additional money at the same rate as your mortgage.
You can use any available funds you have on your mortgage and can repay this either on a repayment or an interest only basis.
Find answers to common loans questions here, along with guides and other useful information.
If you can't find the answer to your query, just give us a call. Please don’t tweet your personal or banking details.
Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.
To speak to one of our Mortgage Advisers please call us on 08.
This, essentially, offers another layer of protection for the borrower, as strict affordability checks mean there's less chance of you being unable to repay the loan.
The answer will often come down to how much you want to borrow, and crucially, whether or not you're a mortgage holder.
In the future, this may be restricted to a repayment basis only.
You can use Online Banking to access your available funds.