If you're a new customer looking for a mortgage, please contact a mortgage broker. They'll be able to discuss your personal circumstances to help you find the right mortgage. You can find a mortgage broker by searching online or by asking friends and family for personal recommendations.
Raising a deposit for your first home can be easier said than done, especially if you don’t have much in the way of savings. That’s why we offer more for people with small deposits and big dreams.
And because we know that behind every mortgage is a real person, we take the time to individually assess every application.
Together, we make more possible, one mortgage at a time.
If you're looking for a new mortgage, please contact a mortgage broker. They'll be able to discuss your personal circumstances to help you find the right mortgage. You can find a mortgage broker by searching online or by asking friends and family for personal recommendations.
LTV or loan-to-value is the value of the mortgage compared to the value of the property expressed as a percentage. For example, if you have a 5% deposit you’ll need a 95% LTV mortgage.
To help, we've created a guide to some of the terminology you'll hear when applying for a mortgage. You can view our mortgage jargon buster here.
A decision in principle is a document we’ll provide confirming the amount you’ll be able to borrow subject to a full assessment when you apply. The amount may change once we review your application in full.
To help, we've created a guide to some of the terminology you'll hear when applying for a mortgage. You can view our mortgage jargon buster here.
Mortgage FAQs
We believe the self-employed shouldn't be penalised because their finances are more complex or variable. That's why we look at the big picture and take into account individual circumstances.
View our frequently asked questions for new customers.
Are you looking to buy your first home? While it’s certainly a very exciting time, it can also be overwhelming with all the many things you need to sort out.
Mortgages are the biggest financial commitment most of us will ever make, but they can be complicated. And with thousands of products available it’s not easy to find the right deal for your needs.
Looking to get yourself on the property ladder? Aside from finding the right property, there’s also the matter of getting yourself ‘mortgage ready’ before you can get started and become a first time homeowner.