Notices

  • Our Windfall Bond account which earns you interest and entry into a monthly free prize draw with a chance to win between £100 and £50,000 is available for new account openings. Currently paying Bank of England Bank rate minus 1%. Further information can be found here.

  • Please note that our 1 Year Fixed Rate Bond (52) and Online Saver (8) have both been withdrawn from sale. Any customers that have recently applied for these accounts will have 15 calendar days to initially fund their account.

  • Mortgage products - On Thursday 30 January 2025, we made changes to our mortgage product range. This included adjustments across our Fixed Rate products for Owner Occupier Interest-Only, as well as Buy to Let.

    The maximum LTV has now increased from 70% to 75% for all UK Landlord (including Offset), Limited Company, Expat Buy to Let products, with Multi-Unit Freehold Blocks (MUFBs) continuing to be capped at 70%.

Owner Occupier mortgage eligibility form

Find out how much you might be eligible to borrow with our mortgage eligibility form.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

This mortgage eligibility form has been designed to help us provide you with an estimation of how much you might be eligible to borrow. An estimation does not reserve funds for any specific product.

A response will be emailed back to you, normally within one business day and is valid for the following 14 days.

Please give details in the 'Additional Information' section of any other loans which will not be repaid on completion of the new mortgage (e.g. credit card balances and unsecured loans). Where applicable, please include the type of loan, amount outstanding, monthly payments and term.

For loans between 75% and 80% of the purchase price or property value, whichever is the lower, evidence of previous repayment history, mortgage or rental, must be available (minimum 12 months).

Please note that the property to be mortgaged must be located in England or Wales.

If you have any queries, please call our New Business Team on 03330 140140.


If you are interested in our Family Mortgage we have a Family Mortgage enquiry form which you can complete to help us understand your requirements, or you can use our Family Mortgage monthly repayment calculator to find out how much your monthly repayments will be.

 

* Indicates required information

 

Applicant 1

Any self-employed net profit, before tax, during the past 3 years (£):

If you are aged 65 years or over, or will reach 65 years old during the term of the mortgage, please provide details of retirement / pension income.

Have you ever:

Applicant 2

Any self-employed net profit, before tax, during the past 3 years (£)

If you are aged 65 years or over, or will reach 65 years old during the term of the mortgage, please provide details of retirement / pension income.

Have you ever:

Will all borrowers occupy the property? *

If no, the case will be assessed under our JBSP criteria and will be referred to our Underwriting team before an application can be submitted.

Please provide the following details in the additional information section at the bottom of this form:

  • The name of the occupying borrower(s) of the property
  • The relationship between the occupying borrower(s) and non-occupying borrower(s)
  • Does the non-occupying borrower(s) have a mortgage elsewhere, and if so, what is the value outstanding?
  • The expected future income of the occupying borrower(s)

Mortgage details

Additional information

We use and retain details about you to respond to your enquiries, for research or analysis, and to check for mortgage eligibility. To find out more, you can read our privacy policy.