First time buyers

First time buyers

Helping you get on the property ladder

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Remortgage

Remortgage

Is your mortgage with a different lender? Find out if we could save you money

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Existing customers

Existing customers

Switch to a new deal or make other changes to your mortgage

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Make a mortgage payment

Pay online, over the phone or in branch.

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Money Worries

We can help. Our dedicated teams are here for you if you fall behind with your mortgage payments or are worried you might do.

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Mortgage affordability calculator

Affordability calculator

Get an idea of how much you could borrow, based on your income and spending.

Mortgage affordability calculator

Repayment calculator

Work out how much you’d need to pay each month towards your mortgage.

Mortgage affordability calculator

First Home Helper

Find out how getting on the property ladder could become a reality with our interactive four-step tool.

The mortgaged property (which may be your home) may be repossessed if you don’t keep up repayments on your mortgage.

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Ready to take the next step?

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Our mortgage range

Fixed Rate mortgages

Monthly payments will stay the same for a fixed period, whether interest rates go up or down.

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Tracker Rate mortgages

Our Tracker Rate mortgages link your interest rate to the Bank of England (BoE) base rate.

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Buy to Let mortgages

Mortgages specially for people buying or remortgaging a property to rent out.

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Shared Ownership mortgages

To help you get started, a Shared Ownership mortgage could significantly reduce the size of your deposit.

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Interest Only mortgages

Keep monthly payments down by paying back just the interest on the money you've borrowed. Your loan would still need to be paid back in full at the end of your mortgage.

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Houses in Multiple Occupation (HMO) mortgages

Our range of HMO (Houses in Multiple Occupation) mortgage products offer you even more lending options in the Buy to Let market.

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Discounted Rate mortgages

By reducing the interest rate for a set time at the beginning of your mortgage, you're able to reduce costs when setting up your new home.

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Variable Rate mortgages

These rates can go up as well as down and usually apply once your mortgage deal comes to an end. There are usually no early repayment charges.

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Holiday Let mortgages

Buying a holiday home in England, Scotland or Wales to let or use yourself? Take a look at our specifically designed Holiday Let mortgages.

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Right to Buy mortgages

These mortgages support the government's Right to Buy scheme. It's designed to help you buy the home you currently rent at a discount price.

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First Homes mortgages

Our First Home mortgage products are designed for properties purchased through the government's First Home scheme at a discount of between 30% and 50% of their open market value.

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