The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

 

You could lose your home if you don’t keep up your mortgage repayments

We can help take the stress out of buying your first home, moving or remortgaging. We’ll arrange and pay your basic legal fee through our eConveyancing service and there's no charge for a standard valuation (exclusions apply). You’ll also have access to our dedicated Mortgage advisers for those additional expertise to support you along the way. Offer includes Buy to Let.

Each calendar year you can also make regular or lump sum overpayments of up to 10% of the amount owed at the 1st January without having to pay an Early Repayment Charge.

Features and benefits

  • No fee for the basic legal work for the purchase, (through our eConveyancer).
  • Free valuation for mortgage purposes.
  • No Product Fee option available on selected mortgages.

Keep in mind

This offer can be withdrawn at any time and excludes: Product Transfers, Additional Borrowing, Shared Equity (including Help to Buy Equity Loan) and Shared Ownership.

You may also be required to pay additional fees to third parties e.g. Stamp Duty, Disbursements and Lessor’s Registration Fee (if applicable).

Minimum loan amount £25,000

Find out how much you could borrow

Our mortgage calculator gives you an idea of what you could borrow and shows the current interest rates. You can also compare monthly payments.

Mortgage calculator

You’re ready to start viewing properties

You'll find it helpful to apply for an Agreement in Principle (AIP). There’s no charge for this, and no obligation to apply for your mortgage with us.

Agreement in Principle

You’ve had an offer accepted on a property

Please complete an Agreement in Principle with us, then you can either call us on 0800 783 3534, or book an appointment online to speak to a mortgage adviser.

Request an appointment

Representative examples:

A representative example is an illustration of a typical mortgage and its total cost.

First time buyer

A mortgage of £114,750 payable over 25 years, initially on a fixed rate for 5 years at 3.36% and then on our variable rate of 3.74% for the remaining 20 years, would require 60 monthly payments of £565.89 followed by 240 monthly payments of £589.34.

The total amount payable would be £175,395.00 made up of the loan amount, plus interest of £60,645.00.

The overall cost for comparison is 3.7% APRC representative.

Home mover

A mortgage of £119,970 payable over 18 years, initially on a fixed rate for 2 years at 2.60% and then on our variable rate of 3.74% for the remaining 16 years, would require 24 monthly payments of £701.36 followed by 192 monthly payments of £770.36.

The total amount payable would be £164,753.52 made up of the loan amount plus interest of £44,783.52.

The overall cost for comparison is 3.7% APRC representative.

Remortgage

A mortgage of £97,750 payable over 16 years, initially on a fixed rate for 2 years at 1.39% and then on our variable rate of 3.74% for the remaining 14 years, would require 24 monthly payments of £576.83 followed by 168 monthly payments of £687.70.

The total amount payable would be £129,377.52 made up of the loan amount, plus interest of £31,627.52.

The overall cost for comparison is 3.7% APRC representative.