Notices

  • 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

  • From 1 March, our Windfall Bond savings account will earn you 3.50% annual interest (Gross AER).

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

    Notice updated: 3 March 2025

  • IMPORTANT: The last day of the 2024 / 2025 tax year is Saturday 5 April.

    Our online and postal ISA applications for this tax year will close from 5pm on Friday 28 March until the morning of Monday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.

  • Mortgage products - From today, Monday 24 March, we’ve made changes to our mortgage product range. These include an increase to our Joint Borrower Sole Proprietor (JBSP) maximum loan size for Owner Occupier Repayment mortgages to £1,000,000, new Owner Occupier Interest-Only mortgages to 80% LTV, and the introduction of our House in Multiple Occupation (HMO) mortgages to general sale.

     

  • Our new 1 Year Fixed Rate Bond (54) paying 4.60% AER on balances of £10,000+ is now on sale. Exclusively online only.  Find out more here

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.