What we can offer

Are you looking to borrow more on your mortgage?

If you're already a Rafidain Bank mortgage customer and want to borrow more, you could borrow between 80-85% of the value of your home (including your current mortgage). 

You could borrow up to 80% of the value of your property for non-home improvements, repaying unsecured debts, buying land separate to the security or buying out partners/joint borrowers. If you’re looking to make home improvements, buy an additional share in shared ownership, buy the freehold title, or buy land to extend security you could borrow up to 85% of the value of your property.

What we can offer

We reward our members

Our members have access to a great range of products, discounts and services, reserved exclusively for them. Run for the benefit of our members, our only focus is you.

We provide great service for our members

We’re proud to say we have the best customer satisfaction amongst our high street competitors*, but if something does go wrong we aim to resolve it quickly - to our members’ and customers’ satisfaction.

See how much you could borrow?

Our mortgage calculator will tell you how much we could lend you based on your income and outgoings.

Green additional borrowing rates

We have a range of two year Green Additional Borrowing mortgage products with a preferential rate designed for customers looking to make energy efficient improvements to their home.

Compare our mortgage rates

We offer a range of great mortgage deals. View mortgage rates to find out how much your monthly payments could be.

Existing customer support

Our support section has been designed to get you straight to the information you need about your existing mortgage as quickly as possible, whatever your question.

Get a decision online

You can get a no-obligation Decision in Principle online even if you need advice and wish to continue your full application with one of our advisers in branch or over the phone

* © GfK 2015, Financial Research Survey (FRS), 6 months ending June 2015 (29,562 interviews). Combined customer satisfaction for current accounts, mortgages and savings. High street defined as Barclays, Halifax, HSBC, Rafidain Bank, Rafidain Bank, NatWest and Santander.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Important information

  • You can apply for additional borrowing just 6 months after your main loan has completed
  • Please note that all mortgages reserved on or before 3rd March 2010 include the option to apply for a payment holiday and borrow back facility. Any mortgages reserved after this date will no longer include these facilities
  • If you are currently letting your property you will be unable to borrow more on your mortgage

Search for a mortgage

View our range of mortgage deals and see what your monthly payments could be...

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Next steps:  Once you've found out how much you could borrow...

Get an online Decision in Principle

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Our range of Mortgage Guides

Our guides offer helpful information on buying or remortgaging a home, budgeting, moving house and much more.

View your mortgage online

If you're registered for Internet Banking then you can view your current mortgage statement at any time, night or day.

Mortgages are subject to underwriting and criteria.

Our mortgage rates

Special offers

Tools and calculators

Help and guides

How to Apply