Notices
  • 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

  • Our Windfall Bond savings account will earn you 3.50% annual interest (Gross AER).

    Plus exclusive entry into a monthly free prize draw with prizes ranging between £100 and £50,000.
    Click here to find out more and apply.

  • Mortgage products - On Wednesday 23 March, 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.
  • Please note that our 1 Year Fixed Rate Bond (57) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.

Owner Occupier mortgage eligibility form

Find out how much you might be eligible to borrow with our mortgage eligibility form.

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

This mortgage eligibility form has been designed to help us provide you with an estimation of how much you might be eligible to borrow. An estimation does not reserve funds for any specific product.

A response will be emailed back to you, normally within one business day and is valid for the following 14 days.

Please give details in the 'Additional Information' section of any other loans which will not be repaid on completion of the new mortgage (e.g. credit card balances and unsecured loans). Where applicable, please include the type of loan, amount outstanding, monthly payments and term.

For loans between 75% and 80% of the purchase price or property value, whichever is the lower, evidence of previous repayment history, mortgage or rental, must be available (minimum 12 months).

Please note that the property to be mortgaged must be located in England or Wales.

If you have any queries, please call our New Business Team on 03330 140140.


If you are interested in our Family Mortgage we have a Family Mortgage enquiry form which you can complete to help us understand your requirements, or you can use our Family Mortgage monthly repayment calculator to find out how much your monthly repayments will be.

 

* Indicates required information

 

Applicant 1

Any self-employed net profit, before tax, during the past 3 years (£):

If you are aged 65 years or over, or will reach 65 years old during the term of the mortgage, please provide details of retirement / pension income.

Have you ever:

Applicant 2

Any self-employed net profit, before tax, during the past 3 years (£)

If you are aged 65 years or over, or will reach 65 years old during the term of the mortgage, please provide details of retirement / pension income.

Have you ever:

Will all borrowers occupy the property? *

If no, the case will be assessed under our JBSP criteria and will be referred to our Underwriting team before an application can be submitted.

Please provide the following details in the additional information section at the bottom of this form:

  • The name of the occupying borrower(s) of the property
  • The relationship between the occupying borrower(s) and non-occupying borrower(s)
  • Does the non-occupying borrower(s) have a mortgage elsewhere, and if so, what is the value outstanding?
  • The expected future income of the occupying borrower(s)

Mortgage details

Additional information

We use and retain details about you to respond to your enquiries, for research or analysis, and to check for mortgage eligibility. To find out more, you can read our privacy policy.