Notices
  • Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 December 2024. We will be writing to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 December 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 08/11)

  • Online Service update. Due to planned essential maintenance, our Online Service will not be available between the hours of 8:00 am until 6:00 pm on the 15 December. We apologise for any inconvenience this may cause.

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Useful information for new mortgage borrowers

All the information you need including our mortgage affordability calculator and current lending terms.

Mortgage affordability calculator



Use our simple calculator to see how much you can afford to borrow for your new home.

 

Affordability calculator

Getting a mortgage - what you need to know

Our comprehensive guide highlights everything you need to know about getting a mortgage, including useful tips for first time through to last time buyers.


Download brochure

Mortgage eligibility

 

Our mortgage eligibility forms can provide you with an estimation of how much you might be eligible to borrow.

 

Check Owner Occupier eligibility

Check Buy To Let eligibility

Mortgage lending criteria

 

Find out details of how much we may be able to lend, for how long and the types of property we will lend on.

 

Our current lending terms

Mortgage Advice Service

 

Looking for a mortgage? Our free service can help recommend which of our mortgage products is right for you and your situation.

 

Our Mortgage Advice Service

Mortgage charges and application fees


Application fees and a list of mortgage charges that may apply during the life of your mortgage with us.

 

Our charges and fees