Notices

Important changes to our mortgage products for new and existing customers (23/03/26) - Find out more.

Due to significant increases in the cost of funding fixed rate mortgages, we're temporarily withdrawing all of our fixed rate products from sale. The product withdrawals apply for both new and existing customers, and are no longer available for purchase, remortgage, further advance or product switch applications. This takes effect immediately from today, 23 March 2026. Our range of discounted variable rate mortgage products remains unchanged.
Annual General Meeting 2026. Find out more:

We're pleased to let you know that voting for the AGM is now open. If you've opted for a postal pack you should receive this by 1 April.
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.

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