Notices

We have withdrawn our Market Tracker Cash ISA (2) from sale. Find out more

Please note that our Market Tracker Cash ISA (2) has been withdrawn from sale. Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
Important changes to our mortgage products - Find out more.

Mortgage products - On Tuesday 30 September 2025, we made changes to our mortgage product range. This included decreases across many of our Fixed Rate products for Owner Occupier and Buy to Let products.
Buy to Let Limited Companies
In addition we launched new Fixed Rate products for Buy to Let Limited Company landlords (UK registered companies) who have expat shareholders and/or directors in our acceptable list of countries.
Managed Mortgage Rates and Discounted Variable Rates
From 1 October 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We have written to existing customers who have been impacted by this change, with details relevant to them.
Our new and improved Online Service is here. Find out more

We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes
Online Service update. Due to planned essential maintenance, our Online Service will be unavailable between 9.00pm to 12:00am on Saturday 11 October. We apologise for any inconvenience this may cause.

Affordability calculator

See how much you could borrow with our fixed rate, discounted rate or family-assisted mortgages.

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

Whether you’re a first-time buyer or moving home, our quick and easy to use mortgage affordability calculator gives you a quick estimate of how much you might be able to borrow for your next home.

Taking into account your income, outgoings and how long you want to have the mortgage for, our calculator helps to give you a clearer idea of your mortgage borrowing potential.

This calculator is for illustrative purposes only. It is not a mortgage offer or guarantee of receiving a mortgage offer.

We have a separate calculator if you want to see how much you can borrow for a Buy to Let mortgage.

Any questions?

If you have any questions or would like to speak to one of our friendly mortgage advice team about your options:

Call us on 03330 140146 Ask us to call back Email us

All fields marked '*' are required

Mortgage information

How many are applying for the mortgage? *

What mortgage term would you like? * (years)

Financial dependants aged under 14 in the property *

Financial dependants aged between 14 and 18 in the property *

What type of mortgage do you want? *

What fixed rate term would you like? * (years)

Where are you buying your property? *

Applicant 1 information

Earnings

Are you of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 2 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 3 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Applicant 4 information

Earnings

Is this applicant of State Pension age? *

Yes

Total annual income or pension * (£)

Outgoings

Outstanding committed monthly costs * (£)

Outstanding credit card balances * (£)

Need more information?

We’ve created a range of mortgage guides that can give you helpful information about how mortgages work and things to consider. Our guides cover what you need to know if you're a first time buyer up to a last time buyer.

Read our mortgage guides