Notices
  • Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products. You can still apply for these products by post or in branch. All savings products will be available to apply online from 12 May. We apologise for any inconvenience this may cause.

  • Savings customers: Your 2024 / 2025 Annual Interest Savings Summary are currently being processed and are due to be delivered by 30 April 2025.
  • We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.  

    Our new Online Service will have a modern design, improved navigation and many added benefits.  

    Find out more about the changes

  • Mortgage products - On Wednesday 23 April, we made changes to our mortgage product range. These include rate adjustments across our fixed rate products, and an increase to our Owner Occupier Joint Borrower Sole Proprietor maximum LTV to up to 90% (with no additional security required) for loans up to £500,000.
  • Online Service update. Due to planned essential maintenance our Online Service will be unavailable from 6pm until 12am on Wednesday 7 May. Our Online Service will also be unavailable between 5.30pm on Friday 9 May until 9am on Monday 12 May. We apologise for any inconvenience this may cause.

Specialist mortgages

Unique situation? Our personal approach means that we may still be able to offer you the mortgage you want.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

We have a common sense approach to lending and underwrite mortgages on a case-by-case basis, with no credit scoring. If your circumstances are unusual our range of specialist mortgages may be able to help you.


Our JBSP arrangement allows family members to support each other with affordability when applying for a mortgage. Up to two occupying owners can live in the property and up to two family member(s) can support the occupying owner(s).

A JBSP arrangement is ideal for:

  • Parents, grandparents, siblings or aunts/uncles helping adult children buy their first home, step up the property ladder or help with renovations
  • Adult children helping their parents borrow in later life.

Find out more about our JBSP offering here:
JBSP arrangement

For more information:
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We offer Buy to Let expat mortgages for properties located in England or Wales. Applications for Owner Occupier expat mortgages for properties located in England or Wales can be made via an intermediary/broker.

We're able to lend to UK nationals aged over 18 who are working abroad, and whose families are remaining in the UK subject to certain conditions.

Our expat mortgages are only available on an Interest-Only basis. Please refer to our lending criteria for more information.

You can view our range of Expat mortgage products here:

Expat mortgages

For more information and acceptable products and countries of residence:

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If your work requires you to live away from your main residence, a loan on a second home may be considered, subject to affordability. Interest-Only loans are accepted on this basis.

Compare all Owner Occupier mortgages

For more information:

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Whether you're an electrician, plumber, hairdresser or personal trainer, being self-employed can be a challenge but being accepted for a mortgage because you're self-employed shouldn't be. With our sensible take on your individual circumstances, income and trading history, we offer mortgages that could work for you. 

Subject to meeting our lending criteria and affordability, you're able to choose from any of our on sale mortgage products. 

You can find more information here:

Self-employed mortgages

Mortgage loans are available on an Owner Occupier basis subject to certain conditions. For example, if you are a member of the Armed Forces currently serving elsewhere in the UK or overseas, and the property has previously been used, or is intended to be used as your main residence in the future.

Applications will be assessed on an individual basis.

We now accept Forces Help to Buy (FHTB) as a source of funds for a deposit. For more information on FHTB, please visit the Forces Law website.

Flexibility to change occupancy status and subsequent product terms will be considered on request. This may be subject to standard fees and Early Repayment Charges.

Compare all Owner Occupier mortgages

For more information:

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Mortgage applications on holiday homes are available, subject to affordability, which must be calculated against the applicants earned income without inclusion of any rental that may be received from the property. Interest-Only loan applications will be accepted on this basis.

It is intended that these properties should be for the applicants use, but the property may be occupied on a holiday let basis when the applicants are not in occupation.

Applicants with portfolios of holiday homes will not be permitted.

Holiday homes will not be accepted where there is a formal Assured Shorthold Tenancy (AST) or where they can only be used as a holiday home due to restrictive covenants within the deeds.

Maximum Loan to Value will be 70%.

Compare all Owner Occupier mortgages

For more information:

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If you are currently in, or moving to, tied accommodation linked to your employment, such as a boarding school teacher, vicar / minster or an estate worker, we understand you may not occupy your property until your current employment finishes, which could be many years in the future. To help with this, you may wish to rent out your property.

We will consider these applications for residential mortgage customers who need to rent out their property under a consent-to-let arrangement.

For more information:

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Are you a professional landlord looking to purchase or remortgage your HMO? We offer Limited Company Buy to Let mortgages for properties with up to four bedrooms and a maximum of six tenants.

  • Only available for Limited Company Buy to Let mortgages
  • This product is not available for students lets or care homes
  • Maximum Loan to Value (LTV) is 70%.

If you have a Buy to Let mortgage with us and you have converted your property to a HMO, please get in touch with us so that we can discuss what HMO product options are available for you.

Find out more about our HMO offering here:
HMOs

For more information:
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Do you need our help?

If you have any questions about your mortgage payment deferral please contact our friendly Mortgage Service Team.