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

  • Online Service update. Due to planned essential maintenance our Online Service will be unavailable between Tuesday 25 March at 10:00pm until Wednesday 26 March at 1:00am. We apologise for any inconvenience this may cause.

Our lending criteria

Read about how much we may be able to lend, for how long and the types of property we will lend on.

Here is a summary of our current lending terms for our mortgage products:

Owner Occupier and Offset mortgage lending criteria Family Mortgage lending criteriaBuy to Let lending criteria 

 

Please note that these documents offer a summary of our lending criteria and should be read in conjunction with product specific literature. Any specific queries should be referred to a member of our New Business Team.

 

If you do wish to speak to a member of our team please have the following information to hand before you phone us. This is so that we can refer you for a telephone assessment with a Mortgage Adviser as quickly as possible:

  • Full details of any income you receive (we do require exact figures)
  • Your projected pension income figures if the mortgage term will carry on after you retire
  • Your monthly / annual council tax payments
  • Details of any credit commitments
  • Details of any life insurance payments
Ask us to call back Email us

Do you need our help?

If you have questions about your mortgage or need our help please contact our friendly Mortgage Service Team

Get in touch

Maximum mortgage term guidelines

Find out the maximum term available for our mortgages depending on your age.

Download guidelines