Notices

Savings customers - the interest rates on many of our variable rate savings products will be decreasing from 6 January 2025. Find out more

We will be emailing or writing to you shortly to let you know of how these decreases affect you. In the meantime, you can see all of these changes here.
Mortgage customers - our Managed Mortgage Rate (MMR) will decrease by 0.25% from 20 January 2025. Find out more:

From 20 January 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We will be writing to existing customers who have been impacted by this change, shortly, with details relevant to them.
View our Christmas opening hours here. For information on bank transfer processing times over the Christmas period please click here.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.75% on 7 November 2024. Find out more

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)

Mortgage guides

A range of mortgage guides that can give you helpful information about various different aspects of home ownership.

We know that buying and owning a home can be confusing at times. There are lots of things you need to consider, and sometimes it can be hard knowing where to start. Our guides cover what you need to know if you're a first time buyer up to a last time buyer.

If you have any questions, our friendly team are here to answer your questions. You can call us on 03300 244612.

Read our comprehensive guide, Getting a mortgage - what you need to know, which highlights everything you need to know about mortgages, including useful tips for first time through to last time buyers.

First time buyer - before you buy

Buying your first home? Learn about some of the costs you can expect to pay from mortgage fees to survey costs.

Read our guide

Moving home - what to remember

Useful tips and key things to think about when you're thinking of moving home.

Buy to Let - before you buy

Considering getting a Buy to Let mortgage? To help get you started our guide lists a number of things you need to think about.

Read our guide

Can my parents get a Buy to Let mortgage and rent it out to me?

We can help answer your question about your parents potentially being your landlord.

Find out more

Can I get a mortgage for less than my rent?

We look at the possibility of getting a mortgage and the products available to help first time buyers.

How to protect your home

Things to think about when it comes to protecting your home and keeping it safe and secure.

Find out more

Later life borrowing research

Read our research report, written in conjunction with the London School of Economics, which looks into how people are using housing wealth in later life.

Stamp duty research

Our research has revealed that Stamp Duty Land Tax is suffocating the housing market. A real change is needed.

The Generation Divide

Read about the research we undertook to understanding how the millennial generation approach important life events and how they set out to find the answers.

Find out more

Stamp duty holiday research

Our latest research report looks into the impact of the stamp duty holiday, that was introduced by the Government in July 2020. This academic study investigates the affects on the UK housing market and the UK economy in general.