Mortgages

Residential mortgages

First-time buyer, climbing the ladder, or close to retirement? Helping someone to buy, or investing in your second home? We listen to what you need. In fact, our mortgages are as individual as our most individual individuals.

You can apply for a residential mortgage if you are:

aged 18 or over
buying a property in England, Wales or Scotland (selected postcodes)
receiving an income

Our wide mortgage range

Our mortgages are designed to be practical and flexible.

Loans up to 80% of your purchase price or property value.
Interest-only mortgages up to 75% of your purchase price or property value considered.
Re-mortgage package available, which includes a choice of free standard valuation and cashback.
Large loans up to £10 million considered by arrangement.

Your one point of contact

During our mortgage process you’ll have one point of contact from start to finish.Our underwriters consider your individual personal circumstances. That means we can take a sensible approach if you’re self-employed, a contractor, or if there’s another reason you might have difficulty getting a mortgage. The key is that we won’t lend more than you can comfortably repay.

First time buyer?

We lend up to 80% loan-to-value – perfect for our first-time buyers

Less-than-perfect credit?

Mortgages designed for customers with CCJs, arrears or missed payments

Buying a new build?

We lend up to 80% loan-to-value on both houses and flats

Speak to us about your mortgage

We’re up front with our customers about everything. Here’s a handy summary of all the details of our residential mortgages.

Capital – the money you borrow
Interest – the charge made by the lender on the money you owe
Repayment mortgage – you pay back the capital and the interest together in your monthly payment. Over the course of the mortgage your balance will get smaller and your mortgage will be paid in full by the end of the term – usually 25 years. This is the most common type of mortgage.