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Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 10pm on Monday 27 April to 2am on Tuesday 28 April. We apologise for any inconvenience this may cause.
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We've launched a new issue of our Online Saver (12), paying 4.15% Gross AER on balances of £100+. Find out more and apply.
- Savings customers: Your 2025 / 2026 Annual Interest Savings Summary are currently being processed and are due to be delivered by 28 April 2026.
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.
The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Here is a summary of our current lending terms for our mortgage products:
Owner Occupier 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
Do you need our help?
If you have questions about your mortgage or need our help please contact our friendly Mortgage Service Team
Maximum mortgage term guidelines
Find out the maximum term available for our mortgages depending on your age.