Notices

  • Online Service update. Due to planned essential maintenance, our Online Service will be unavailable between 9:00am to 10:00am on Saturday 25 October. We apologise for any inconvenience this may cause.

  • Mortgage products - On Tuesday 30 September 2025, we made changes to our mortgage product range. This included decreases across many of our Fixed Rate products for Owner Occupier and Buy to Let products.

    Buy to Let Limited Companies

    In addition we launched new Fixed Rate products for Buy to Let Limited Company landlords (UK registered companies) who have expat shareholders and/or directors in our acceptable list of countries.

    Managed Mortgage Rates and Discounted Variable Rates

    From 1 October 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 have written to existing customers who have been impacted by this change, with details relevant to them.

  • We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use.  Online Service changes

"We were very impressed from our first contact, through the entire application process"

Real life mortgage case studies

Our case studies show how our mortgage products have helped real life customers. Read their stories.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Providing stability and relief for a couple in retirement

  • Later life lending
Faced with difficulties securing a mortgage later in life, Steve and Lynette struggled when their previous lender declined to extend their loan, however our flexible approach allowed the couple to stay in their home.
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Enabling family members to help each other

  • Family-assisted mortgages
Elizabeth, an artist, was due to remortgage her home but needed a helping hand from her daughter Louise. The Joint Borrower Sole Proprietor mortgage allowed her to achieve this.
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Helping first time buyers get on the ladder

  • Family-assisted mortgages
Greg, a financial services professional, was keen to buy his first home in Bournemouth. This, however, was proving to be harder than he had thought.
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A second chance at being a homeowner in retirement

  • Later life lending
Alicia wanted to relocate and become a homeowner again in her retirement
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Helping a couple stay in their home and close to their family

  • Later life lending
Mr Grice's mother was very elderly and in need of regular support, so the Grices were keen to stay in their home
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A longer mortgage term to make monthly payments more affordable

  • Later life lending
Warwick and Lynda wanted to decrease their monthly mortgage payments, without having to resort to Equity Release
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The Family Mortgage - helping first time buyers with small deposits

  • Family-assisted mortgages
Choosing the Family Mortgage to buy their first home together
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A repayment mortgage even in retirement

  • Later life lending
Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term
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Helping the retired back into home ownership

  • Later life lending
When their landlady told them she wanted to sell the house, David and his wife decided to get back on the property ladder
Read more