• Service update - due to planned essential maintenance our Online Service will be unavailable on Friday 28 January from 18:00 until Saturday 29 January 12:00.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)

  • Please note that the Premium Saver (5) has now been withdrawn from sale. 
    If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.
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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