Notices

  • Our Windfall Bond is available for new account openings, offering interest at the Bank of England Bank Rate and entry into a monthly free prize draw with more prizes available now determined by the prize fund value. Find out more here

    Newly opened accounts need to be fully funded and nominated bank details registered before the end of September in order to qualify for entry into the November Prize Draw.

  • Mortgage products - On Friday 20 September we made changes to our Buy to Let mortgage product range. Our BTL Limited Company 5 Year Fixed Rate product (XF0898) has been withdrawn without replacement, and we've launched a new BTL UK Landlord 5 Year Fixed Rate product. Further information can be found here.

    On 19 September 2024, we reduced 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. Find out full details here.

"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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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
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