Notices

  • Savings customers - interest rates on many of our variable rate savings products will be decreasing from 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • UK Landlords - The Renters’ Rights Bill, introduced in September 2024, received Royal Assent on 27 October 2025 and is now law as the Renters’ Rights Act. Read more about what to expect.

  • Savings: Interest rates for Windfall Bond will decrease by 0.25% from 1 January 2026. We will write to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 January 2026 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. 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 will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

  • Our Market Tracker Cash ISA (2) paying 4.03% AER is now back on sale. Find out more

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Useful information for new mortgage borrowers

All the information you need including our mortgage affordability calculator and current lending terms.

Mortgage affordability calculator



Use our simple calculator to see how much you can afford to borrow for your new home.

 

Affordability calculator

Mortgage guides



A range of mortgage guides covering what you need to know if you're a first time buyer up to a last time buyer.

 

Useful mortgage guides

Mortgage eligibility

 

Our mortgage eligibility forms can provide you with an estimation of how much you might be eligible to borrow.

 

Check Owner Occupier eligibility

Check Buy To Let eligibility

Mortgage lending criteria

 

Find out details of how much we may be able to lend, for how long and the types of property we will lend on.

 

Our current lending terms

Mortgage Advice Service

 

Looking for a mortgage? Our free service can help recommend which of our mortgage products is right for you and your situation.

 

Our Mortgage Advice Service

Mortgage charges and application fees


Application fees and a list of mortgage charges that may apply during the life of your mortgage with us.

 

Our charges and fees