Can I get a mortgage?
To apply for a mortgage with us you need to:
- be at least 18 years of age and a UK resident
- want the mortgage for a property in the UK (but not in the Isle of Man)
- intend to live in the property
- have never had a home repossessed
- have never been declared bankrupt or subject to an individual voluntary arrangement
- be able to provide confirmation of all types of income
Use our calculator to see the mortgage rates that may suit you.
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Get an instant decision in principle online before you apply. When it’s been agreed we'll arrange to continue your application by phone. Log on to Online Banking, select your mortgage account and then ‘Manage My Mortgage’ to borrow more on your mortgage.
If you're ready to make an appointment visit your branch or call 0800 389 4151.
Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.
To make sure you have the right information to hand at your appointment, fill out the budget planner to stay one step ahead.
Refine my results by:
|Additional loan types||Maximum loan to value||Initial rate||Differential to Bank of England base rate (currently 0.75%)||Then changing to Santander's Follow-on Rate (variable)||The overall cost for comparison is (APRC)||Product fee||Early repayment charge (ERC)||Monthly payment for additional loan||Compare up to three rates|
|2 year Fixed rate||75%||1.99%||n/a||4.00%||3.6%||£0||3%||-|
|3 year Fixed rate||75%||1.99%||n/a||4.00%||3.4%||£0||3%||-|
|ERC Free 2 year Tracker rate||75%||2.24%||1.49%||4.00%||3.7%||£0||NO ERC||-|
|2 year Fixed rate||85%||2.49%||n/a||4.00%||3.8%||£0||3%||-|
|3 year Fixed rate||85%||2.49%||n/a||4.00%||3.7%||£0||3%||-|
|ERC Free 2 year Tracker rate||85%||2.74%||1.99%||4.00%||3.8%||£0||NO ERC||-|
|2 year Fixed rate||75%||2.99%||n/a||4.00%||3.8%||£0||3%||-|
|3 year Fixed rate||75%||2.99%||n/a||4.00%||3.7%||£0||3%||-|
|ERC Free 2 year Tracker rate||75%||3.24%||2.49%||4.00%||3.9%||£0||NO ERC||-|
|2 year Fixed rate||85%||3.49%||n/a||4.00%||4.0%||£0||3%||-|
|3 year Fixed rate||85%||3.49%||n/a||4.00%||3.9%||£0||3%||-|
|ERC Free 2 year Tracker rate||85%||3.74%||2.99%||4.00%||4.0%||£0||NO ERC||-|
An additional loan of £30,000, payable over 15 years, initially on a 3 year fixed rate of 2.99%, would require 36 monthly payments of £207.03 followed by 144 monthly payments of £219.09, based on our Follow-on Rate currently 4.00% (variable).
The total amount payable would be £39,003. This is made up of the loan amount plus £9,003 interest and a £0 product fee.
The overall cost for comparison is 3.7% APRC representative.