Notices

Our Windfall Bond account is now on sale. Find out more

With more prizes available in the Monthly Free Prize Draws - effective from 1 October 2024. Find out more here
New Windfall Bond account holders: Newly opened accounts need to be fully funded and nominated bank details registered before the end of August in order to be eligible for entry into the October Prize Draw.
Existing Windfall Bond account holders: Current Windfall Bond account(s) will automatically be entered into the October Prize Draw; until then the prize draws will continue as normal.
Changes to 'How We Use Personal Information' leaflet. Find out more

We have recently updated our 'How We Use Personal Information' leaflet – with improvements to the transparency of the document and a new section on fraud prevention agencies. The Credit Reference Agency Information Notice (CRAIN) has been removed from the leaflet and instead we provide details of the credit reference agencies’ websites to access this. You can view the latest Privacy notice here.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 5.00% on 1 August 2024. Find out more.

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 September 2024. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 September 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.
(Notice updated 05/08)

Affordability calculator

See how much you could borrow with our fixed rate, discounted rate or family-assisted mortgages.

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

This calculator is for illustrative purposes only and is based on your income, outgoings and how long you want to have the mortgage for. It is not a mortgage offer or guarantee of receiving a mortgage offer.

We have a separate calculator if you want to see how much you can borrow for a Buy to Let mortgage.

All fields marked '*' are required

Mortgage information

How many are applying for the mortgage? *

What mortgage term would you like? * (years)

Financial dependants aged under 14 in the property *

Financial dependants aged between 14 and 18 in the property *

What type of mortgage do you want? *

What fixed rate term would you like? * (years)

Where are you buying your property? *

Applicant 1 information

Earnings

Are you of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 2 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 3 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 4 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)