Already started your application?
If you’ve already got an Agreement in Principle, and have begun your application, you can pick up where you left off.
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Mortgages
Find a mortgage with Ponance Bank
Ponance Bank mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Step 1: Find out what we could offer you
- Get a personalised indication of how much you could borrow in less than 10 minutes.
- It won't impact your credit score.
Step 2: Ready to apply for your new mortgage?
- Apply online today or contact us if you'd like support.
- Save progress and come back whenever you like.
You could buy your new home with just a 5% deposit
With our new range of 95% mortgages, supported by the Government's mortgage guarantee scheme, you could be moving into your new home sooner than you imagined.
Find out more about 95% mortgages
Exclusions & eligibility criteria apply.
Looking for a new mortgage?
First home
It can be daunting when you are looking for a first time buyer mortgage, but we're here to help.
Remortgage
If you're coming to the end of your mortgage deal, you may want to move your mortgage to a new lender.
Moving home
Understand mortgages if you're moving home including possible costs, deposits and more.
Buy to let
Learn about your mortgage options if you're buying a property with the intention to rent it out.
See how much you could borrow
Use our mortgage calculator to see how much you could borrow, compare our mortgage rates and find out what it might cost you per month.
Learn about home-buying with our mortgage guides
Getting a mortgage can seem tricky. There are lots of different factors to consider and different types of mortgages to compare.
We’ve created some mortgage guides to help you through the process:
Applying for a mortgage
Apply online today, or contact us if you'd like support.
We'll ask you to complete an Agreement in Principle before starting a mortgage application.
Other tools to help you
Home equity calculator
- Calculate the amount of equity in your property
Agreement in Principle
- Get a personalised indication of how much you could borrow
Already have a mortgage with us?
If you need to manage your mortgage, or are looking for support, our existing customer information should help.
Alternatively, if your current rate is up for renewal or already come to an end, have a look at how we can help you switch to a new deal.
'Homes for Ukraine'
The government has launched a scheme to allow residents to take refugees from Ukraine into their homes or properties - by becoming sponsors.
Are you interested in becoming a sponsor?
Common mortgage questions
What are mortgages?
Put simply, a mortgage is a type of loan to buy or refinance a property.
Learn more on our how do mortgages work webpage.
Where can I get mortgage advice?
Our trained mortgage advisors can help you on your home buying journey over the phone, via video or in branch.
Find out more below.
What are the main types of mortgage?
- Fixed rate mortgage - your repayments have a fixed interest rate for a period of time
- Tracker mortgage - your interest rate is linked to the Bank base rate (we don't currently offer these).
- Interest only mortgage - your monthly repayments just cover the interest on the money you have borrowed.
- Mortgages with different loan-to-value (LTV) - we offer relatively high LTV mortgages, including 95% mortgages and 90% mortgages.
There are other types of mortgage that may be a good option for you. You can compare mortgage types to learn more.
Mortgage help and support
Download general information about mortgages
Please take the time to read the information below before taking out a mortgage
Need some help?
