Notices

  • Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products. You can still apply for these products by post or in branch. All savings products will be available to apply online from 12 May. We apologise for any inconvenience this may cause.

  • Savings customers: Your 2024 / 2025 Annual Interest Savings Summary are currently being processed and are due to be delivered by 30 April 2025.

  • We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.  

    Our new Online Service will have a modern design, improved navigation and many added benefits.  

    Find out more about the changes

  • Mortgage products - On Wednesday 23 April, we made changes to our mortgage product range. These include rate adjustments across our fixed rate products, and an increase to our Owner Occupier Joint Borrower Sole Proprietor maximum LTV to up to 90% (with no additional security required) for loans up to £500,000.

  • Online Service update. Due to planned essential maintenance our Online Service will be unavailable from 6pm until 12am on Wednesday 7 May. Our Online Service will also be unavailable between 5.30pm on Friday 9 May until 9am on Monday 12 May. We apologise for any inconvenience this may cause.

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 

 

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

Get in touch

Maximum mortgage term guidelines

Find out the maximum term available for our mortgages depending on your age.

Download guidelines