• The Premium Saver (5) - is now on sale and can be applied for exclusively online. £1,000 minimum deposit. You can add funds to the account until 3pm, 7 February 2022, after this no additions will be allowed. Find out more

  • Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25%, Windfall Bond and Tracker Savings Bond rates will increase by 0.15% from 1 January 2022. We will be reviewing our other savings and variable mortgage rates. We will be in touch with more details if the rates on your mortgage or savings account are changing.

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.