Tailored mortgage advice from our team of experts

Simplicity, choice and service.

We pay legal and valuation fees when you move your mortgage to us. Conditions and exclusions apply.

Our Agreement in Principle tool gives an indicative online decision in just 5 minutes.

We offer you the choice of applying for your mortgage online, in branch or by phone. 

Get an Agreement in Principle

• You need to be a UK resident aged between 18 and 80.
• You need at least a 25% deposit, or 35% for any new build houses or flats.
• You must be borrowing at least £25,000 over a minimum of 3 years.
• You must currently own no more than nine Buy-to-let properties, and your maximum borrowing amount cannot exceed £3.5 million.
• The property you wish to purchase, or remortgage to us, must be habitable and worth at least £50,000.

Visit our Buy-to-let mortgages page to learn more.

• Your mortgage must be at least £25,000.
• For a sole application you’ll need to earn £75,000 per year.
  
• For a joint application one party must earn £75,000 per year or a combined joint income of £100,000 per year.
• Your repayment plan needs to be approved by us.
  
• Aged over 18, have a maximum of two applicants - both of whom must be on the mortgage and the title of the property. 
• Your term must finish before you turn 70.

You can borrow up to 75% of the value of the property. Remember you must make up any shortfall at the end of the term - if you can't repay the outstanding balance in full you could lose your home.

Speak to your Premier Banking Manager

You could borrow up to 95% of the value of the property you wish to purchase, if you have a deposit of at least 5% and less than 10%, and the property you’re purchasing is less than £600,000 and not a new build.

Choose any 'cashback' mortgage deal, apply with us and we’ll pay £250 cashback to your solicitor on the day you drawdown your mortgage. The offer is only available on selected mortgages marked with ‘cashback’ and can be changed or withdrawn at any point. Early repayment charges may apply. Max LTV 90%.

Visit our buying your first home pages to learn more.

Get an Agreement in Principle

• Whether you're looking to make some home improvements, or better manage your finances, we could help.
• Applications for additional borrowing are subject to LTV and must meet our current lending requirements.
• Minimum amount is £10,000 (A personal loan could be an option if you need less).
• Minimum term 3 years - maximum term 35 years (maximum age 70).
• Additional borrowing is available on a capital and interest repayment basis. You may be able to borrow more on an interest only basis, subject to criteria.

More about borrowing more on your mortgage.