Mortgages

Online Options

We offer a range of options through our website to help you select the right mortgage. You can be sure that any details you give us will be completely secure.

1. Quick Calculator

Requires the following details: Purchase price / approximate value of property, loan amount required, term of mortgage.

Choose and compare our online mortgages to see which option best suits your needs. You'll get an idea of your monthly payments within seconds. You can then continue through to a KFI should you wish.

Use the Quick Calculator

2. Key Facts Illustration (KFI)

Requires the following details: Name, purpose of loan, loan amount required, purchase price / approximate value of house, term of mortgage, mortgage product selection, repayment method (Capital & Interest, Interest Only).

Here you can enter a few more personal details to produce a KFI. This will give you extensive details about the mortgage, its terms and how they will affect your payments. Once you've received your KFI you can choose to continue to a Decision in Principle.

Get a Key Facts Illustration

3. Decision in Principle

Requires the following details: All of the above will be carried forward if completed plus; Personal details, contact information, bank account details, employment details, income details, existing financial commitments.

Fill in your personal details and financial circumstances and we'll give you an instant online decision. You can then choose to save your decision to access in the future, or continue straight through to a full mortgage application. You will not be asked to select a mortgage at this time.

Please Note: Your Decision in Principle may include us obtaining data from a credit reference agency, you will be asked to confirm your agreement to this before you receive your decision.

Get a Decision in Principle

4. Full Mortgage Application

Requires the following details: All of the above will be carried forward if completed plus; Mortgage payment method (Direct Debit information), full property to be mortgaged information, vendor details (company selling the property), valuation and solicitor details.

You will first be asked to undertake a Decision in Principle (see above) before moving into a full mortgage application. Here you can choose the particular mortgage you would like in addition to giving us a little more information about yourself.

Don't worry if you've already done a Decision in Principle, most of the details will be carried over into your full application so you won't have to re-enter anything you've already been asked.

Full Mortgage Application

If you prefer to apply over the telephone for any mortgage that is not website specific, call
0845 234 40 48 and speak to a real person in Leeds, from 8am to 8pm, 7 days a week*.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Our requirements
Full written details and quotations are available on request. The mortgage must be secured by a first charge on the property. Buildings insurance may be required. All loans are subject to a satisfactory appraisal of status, financial standing and valuation. Loans are only available to persons aged 18 years or over. In certain instances, a one off Higher Lending Charge may be payable.

Insurance may be required.
Any endowment premium will be paid directly to the life assurance company. Applications are subject to normal lending criteria. For loans in excess of 75% of the purchase price or valuation of the property (whichever is lower) a Higher Lending Charge becomes payable.

The products and services on this site are available to UK residents only. Applicants must be aged 18 or over and a full appraisal of your financial commitments will be made. Mortgages are subject to eligibility, status and financial standing. Mortgages that are for Buy to Let properties are regulated by the Consumer Credit Act 1974 and not by the Financial Services Authority.

The Society is covered by the Financial Ombudsman Service. We may monitor and/or record your telephone conversation with the Society to ensure consistent service levels (including staff training). The Society's main business is the provision of savings products, mortgages and general insurance.

Leeds Building Society is authorised and regulated by the Financial Services Authority and our registration number is 164992. You can check this on the FSA register by visiting the FSA website at www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.