• Homes for Ukraine - important information can be found here.

  • Rate changes following Bank of England decision to raise its Bank Rate to 1.25% on 16 June.

    the majority of our variable savings rates have been increased from 24 June. Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 July. (Updated 1 July.)

    Mortgages: our variable mortgage rates will increase and we are in the process of writing to affected customers with details of their revised payments, interest rate and effective date. Product rates now shown on the website reflect this increase. (Updated 1 July.)

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.

Here is a summary of our current lending terms for our mortgage products:

Owner Occupier and Offset mortgage lending criteria Family Mortgage lending criteriaBuy to Let lending criteria Retirement Lifestyle Booster 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
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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.