Why choose us?
Award winning with over 160 years of experience so you know you’re in safe hands.
No product fee on selected mortgages.
Plus on the majority of our mortgages you'll get:
a free standard valuation on a property valued up to £2.5 million; and
we’ll pay your standard legal fees, which are only repayable if you repay your mortgage within the first two years.
Choose how you apply. If you’re comfortable choosing a mortgage without advice you can apply online. However if you’d like advice, give us a call or visit a branch.
See your mortgage in Online and Mobile Banking.
Repaying your mortgage
A mortgage has two parts. The original amount you borrow to buy your home (known as capital), and the additional amount the lender charges for lending you this money (known as interest). You can choose a Repayment mortgage, an Interest Only mortgage or a combination of the two.
Repayment mortgages – your monthly payment is made up of capital and interest. As long as you keep up your payments, your mortgage will be paid off when your mortgage term ends.
Interest Only mortgages – your monthly payment only pays the interest you owe. You’ll still have to repay the capital at the end of your mortgage term and must make sure you have a way of doing so.
Different types of mortgages
Fixed rate – gives you peace of mind of knowing exactly what your monthly mortgage payments will be during the initial rate period.
Tracker rate – tracks above the Bank of England base rate during your initial rate period so your monthly mortgage payments will only change if the base rate changes.
Lifetime Tracker – tracks above the Bank of England base rate for the life of your mortgage term.
To find out more: different types of mortgages explained
Work out your costs
Find out how much you could borrow and what your monthly payments might be by using our mortgage calculator.
We want to make remortgaging to us easier, so we’ve provided a useful guide and mortgage calculators to help.
Steps to moving your mortgage to us
A step-by-step guide on how to move your mortgage, who you need to involve and when, and the types of costs you can expect to pay.
Different types of mortgages explained
Understand the differences between fixed and tracker rate mortgages.
Different types of mortgages explained
Budgeting for a mortgage
Have the right information available by completing our handy budget planner.
We're part of a scheme that may make it easier when moving your mortgage to us.
If you already have a home through a Shared Ownership scheme, then we could help you find a better deal from our mortgage range. To find out how much you can borrow and what your monthly payments might be use our mortgage calculator.
You can buy a bigger share of your home later down the line and eventually own 100% if you wish.
A decision in principle tells you instantly if we could lend you the amount you need. You'll also need this before you can apply online for a mortgage.
When you're ready to complete a mortgage application there are three different ways of applying:
Online without advice
|By phone with advice |
Call us on 0800 068 6064.
Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.
|In a branch with advice |
Find your nearest branch
All applications are subject to status and our lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property.
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Equity is the difference between the value of your home and your mortgage amount. So if your home is worth £200,000 and your outstanding mortgage amount is £180,000, you have £20,000 equity in your home.
When you know how much equity you have you can also work out your loan to value (LTV). This is the amount of your mortgage as a percentage of the value of your home. So in the above example, your LTV would be 90%.
Your last three months' payslips (or four weeks if paid weekly) to show your income. If you're self employed you can use SA302s plus Tax Year Overviews (TYOs) covering three years, or an accountant's certificate or three years’ accounts. If you want to use other income to support your application there may be other documents you need, for example your P60 if you want to use annual bonus or your most recent HMRC letter if you want to include child benefit.
Your last three months’ bank statements to show your outgoings, such as food and household bills. Our online budget planner will help you work out what you spend each month.
You’ll need details of any outstanding financial commitments such as loans and credit cards. Plus details of insurance policies e.g. home insurance, mortgage payment protection, life or critical illness cover, and any investment/endowment details you wish to use to support your mortgage.
You'll need to have your address details for the last three years. And finally details about your property.
If you’re applying in branch you’ll also need ID such as your driving licence or passport.
Our tariff of mortgage charges shows our current charges. We send a copy of our current tariff of mortgage charges each year with the annual mortgage statement.
What is your account fee?
The account fee is the fee for managing your mortgage account and also includes closing your mortgage account when your mortgage ends. It only has to be paid once during the life of your mortgage on your property. You can pay it on completion, or it can be deferred until the end of your mortgage. Please note the fee won’t increase throughout the life of your mortgage on your property.