• 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  • Please note that the Premium Saver (5) has now been withdrawn from sale.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.
Tips and Guides

Mortgage guides

A range of mortgage guides that can give you helpful information about various different aspects of home ownership.

We know that buying and owning a home can be confusing at times. There are lots of things you need to consider, and sometimes it can be hard knowing where to start. Our guides cover what you need to know if you're a first time buyer up to a last time buyer.

If you have any questions, our friendly team are here to answer your questions. You can call us on 03300 244612.

Read our comprehensive guide, Getting a mortgage - what you need to know, which highlights everything you need to know about mortgages, including useful tips for first time through to last time buyers.


First time buyer - before you buy

Buying your first home? Learn about some of the costs you can expect to pay from mortgage fees to survey costs.

Moving home - what to remember

Useful tips and key things to think about when you're thinking of moving home.

Buy to Let - before you buy

Considering getting a Buy to Let mortgage? To help get you started our guide lists a number of things you need to think about.

Can my parents get a Buy to Let mortgage and rent it out to me?

We can help answer your question about your parents potentially being your landlord.

Can I get a mortgage for less than my rent?

We look at the possibility of getting a mortgage and the products available to help first time buyers.

How to protect your home

Things to think about when it comes to protecting your home and keeping it safe and secure.

Later life borrowing research

Read our research report, written in conjunction with the London School of Economics, which looks into how people are using housing wealth in later life.

Stamp duty research

Our research has revealed that Stamp Duty Land Tax is suffocating the housing market. A real change is needed.

The Generation Divide

Read about the research we undertook to understanding how the millennial generation approach important life events and how they set out to find the answers.

Stamp duty holiday research

Our latest research report looks into the impact of the stamp duty holiday, that was introduced by the Government in July 2020. This academic study investigates the affects on the UK housing market and the UK economy in general.