• Service update - due to planned essential maintenance our Online Service will be unavailable on Friday 28 January from 18:00 until Saturday 29 January 12:00.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)

  • Please note that the Premium Saver (5) has now been withdrawn from sale. 
    If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.
Later life borrowing, Family-assisted mortgages

Mortgages for all

We want to help get any generation on the property ladder, from the first time buyer to the last time buyer.

Compare all Owner Occupier mortgages

Compare all Buy to Let mortgages

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

Know what type of mortgage you need?

We have a variety of mortgage options and many of our products also have their own mortgage calculators. Our products also often cater for specialist criteria.


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Moving home & remortgage

If you want a regular fixed, variable or tracker mortgage.


Savings offset

Reduce payments or term with an offset account.


First time & family assisted

So you can help loved ones get on the property ladder.


Later life lending

Borrowing into and during retirement, plus equity release.


Expat borrowing

If you're away from the UK but want to buy here.


Buy to Let

A range of mortgages for individuals and Limited Companies.

Want to see what you could borrow?

Start our quick mortgage affordability calculator to see what we could lend to an owner occupier.

I need a Buy to Let calculator

Want to talk to someone? Contact us for mortgage advice

Call 03330 605448Request a call back

Existing borrower information

Quick access whether you need to download mortgage forms, look to borrow more, switching your mortgage and more.

View all exisiting borrower information

Over 125 years of helping people move in

For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.


More about who we areView our awards

Call our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

Existing customers

Savings - 03330 140144

Mortgages - 03330 140146

...or ask the way that suits you.

Request a call back

We can call you back at a time that suits you.

Visit us in branch

Ashley Square, Epsom, Surrey, KT18 5DD.

View our FAQs

Your questions might be answered here.