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  • Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products.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.

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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

Getting a mortgage - what you need to know

Our comprehensive guide highlights everything you need to know about getting a mortgage, including useful tips for first time through to last time buyers.


Download brochure

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