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.

Tips and Guides

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.

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.

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.

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.

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.

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.