Mortgages
Understand your mortgage options.
Whether you’re buying your first home, moving or reviewing your mortgage, it helps to look beyond the interest rate. How much you could borrow, the monthly repayments and any fees all matter when planning your budget.
We’ll look at your circumstances and compare suitable deals from the lenders available to us, explaining the costs involved. If you decide to go ahead, we’ll guide you through the application.
Explore mortgage services
Choose the situation closest to yours to find more detailed information.
Residential Mortgages
A mortgage for a home you'll live in yourself.
Explore optionsFirst-Time Buyer Mortgages
For people buying their first home.
Explore optionsHome Mover Mortgages
For people selling one home and buying another.
Explore optionsRemortgages
Switching your existing mortgage to a new deal.
Explore optionsBuy-to-Let Mortgages
For buying property to rent out to tenants.
Explore optionsSelf-Employed Mortgages
Mortgages for people who work for themselves.
Explore optionsAdverse Credit Mortgages
For applicants with a poor or complicated credit history.
Explore optionsLater Life Mortgages
Mortgage options for older borrowers.
Explore optionsBridging Finance
Short-term finance to bridge a gap between transactions.
Explore optionsRefinancing
Restructuring existing borrowing.
Explore optionsHomebuyer schemes
Support that may help eligible buyers purchase a home.
Explore optionsLet to Buy
Renting out your current home while buying another to live in.
Explore optionsCommercial Finance
Buying or refinancing property for business purposes.
Explore optionsExpat mortgages
UK property mortgages for people living overseas.
Explore optionsMortgages for non-UK nationals
UK property mortgages for applicants who are not British citizens.
Explore optionsMortgage calculators
Residential repayment mortgages only. An illustration, not a lending decision.
Mortgage repayment calculator
See what your monthly mortgage repayments could be, based on the figures you enter.
Remortgage comparison calculator
Compare staying with your mortgage against switching, including the switching costs you enter.
How much could I borrow?
Explore an income-based example, then see how a loan could fit alongside your monthly costs.
What affects your mortgage options?
Lenders look at your income and regular financial commitments, alongside your credit history and the property you want to buy. Your deposit also matters. If you already own a home, the equity you have in it may help towards your next purchase. Each lender has its own requirements, so the options available will depend on your circumstances.
When comparing deals, it’s important to consider the fees and total amount repayable as well as the interest rate. If you’re changing an existing mortgage, early repayment charges may also affect the overall cost. A lower rate does not always mean a cheaper mortgage.
How mortgage advice works
Talk about your plans
We’ll start with your circumstances and what you need from a mortgage, so we can explore the options available to you.
Compare suitable deals
We’ll compare suitable deals from the lenders available to us and explain the repayments, fees and other costs.
Make your application
If you decide to go ahead, we’ll guide you through your mortgage application and the information your lender needs.
Getting started
Can we talk before I find a property?
Yes. You can explore your mortgage options while you’re still looking. Understanding how much you may be able to borrow, alongside your deposit and the costs involved, can help you plan your budget.
What should I have ready?
An idea of your income, regular spending and deposit is a useful starting point. If you already have a mortgage, details of your balance, repayments and when your current deal ends can help too. The documents needed for an application will depend on your circumstances.
What happens when I request a callback?
Draft — the button currently opens the contact page. The callback process and form delivery need confirming before launch.
Your home may be repossessed if you do not keep up repayments on your mortgage.
