-
Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from 6pm on Sunday 5 April to midnight on Monday 6 April. We apologise for any inconvenience this may cause.
-
IMPORTANT: The last day of the 2025 / 2026 tax year is Sunday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 27 March until the morning of Tuesday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.
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.
The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Here is a summary of our current lending terms for our mortgage products:
Owner Occupier mortgage lending criteria Family Mortgage lending criteriaBuy to Let 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
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.