A first time buyer
You want to buy your first ever home to live in.
To find out how much you could borrow, please answer a few questions. This will take about 10 minutes, so let's get started.
You already have a mortgage, but you’d like to find out about a remortgage with us.
You already have a mortgage, but you’d like to find out about a remortgage with us.
You already have a mortgage, but you’d like to find out about a remortgage with us.
Our Agreement in Principle tool uses a soft credit check which is just an initial look at your financial situation. These soft credit searches aren’t visible to other companies, so they won't affect your credit score now or in the future. Only you and the lender can see the results and you can have multiple soft credit searches without worrying about your credit score.
A full credit check is performed when a lender makes a full analysis of your credit history. This type of check will be visible on your credit report so any company will be able to see that you've applied for credit.
Unfortunately we are not able to offer shared equity, shared ownership, Right to Buy or interest only mortgages online. Please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We care about your privacy
For detailed information on how we use, store and share customer information, please see our full privacy notice.
We are only able to allow applications online if you are between the ages of 18 and 67. If you are over 67, we may still be able to support you in branch or over the phone. Please get in touch with one of our mortgage professionals.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
Start typing part of your address
Either sole ownership or jointly with another person
We need your email address to send your Agreement in Principle.
Please enter a mobile number as we may contact you by SMS
Getting in touch
We’d like to follow up with you and let you know about our mortgage offers and support you in the mortgage process if required. This won’t affect any other marketing communications you receive from us. We won’t share your information with any third parties for their own marketing purposes.
We are only able to allow applications online if you are between the ages of 18 and 67. If you are over 67, we may still be able to support you in branch or over the phone. Please get in touch with one of our mortgage professionals.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
Start by typing a part of their address
Either sole ownership or jointly with yourself or another person
Please enter a different email address to the one given by the first applicant
Please enter a different mobile number to the one given by the first applicant
If you are not currently working we think you may benefit from getting in touch with one of our mortgage professionals,
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
If you are fully retired we think you may benefit from getting in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
If you’ve been self-employed for less than two years, we can’t give you a decision online. Please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
This is guaranteed income that could include overtime, bonuses and commissions, as well as investments or rental income, state benefits, commission from another job or a pension.
These are unsecured loans, like a loan to buy a car or a holiday
Finally, we need to know about any other monthly fixed payments you have.
Don't worry about listing things like food, drink, clothing, utility bills, entertainment or transport. We'll make an estimate based on what you've told us about your household.
There's no need to include these costs if you've already included them in the loans section
Including any school fees
This could be mortgage payments and/or general upkeep costs on any additional properties
This is the expected letting agent fee per month for the property you are looking to buy only. Please do not include any letting agent fees for properties you already own.
A dependant is someone you support financially and can be under or over 18.
If the total number of dependents is greater than 10, we recommend getting in touch with one of our mortgage professionals.
You can get in touch over the phone or in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
If they are not currently working, please get in touch with one of our mortgage professionals to discuss your options.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
If they are fully retired, please get in touch with one of our mortgage professionals to discuss your options.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
If they've been self-employed for less than two years, we can’t give you a decision online. Please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
This is guaranteed income that could include overtime, bonuses and commissions, as well as investments or rental income, state benefits, commission from another job or a pension.
These are unsecured loans, like a loan to buy a car or a holiday
Finally, we need to know about any other monthly fixed payments.
Don't worry about listing things like food, drink, clothing, utility bills, entertainment or transport, we'll make an estimate based on what you've told us about your household.
Please don't input any shared expenses that have already been fully covered in the primary applicant's outgoings.
There's no need to include these costs if you've already included them in the loans section
Including any school fees
This could be mortgage payments and/or general upkeep costs on any additional properties
A dependant is someone you support financially and can be under or over 18. If a dependant is shared, please only count them once.
If the total number of dependents is greater than 10, we recommend getting in touch with one of our mortgage professionals.
You can get in touch over the phone or in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
Please give us some detail about the properties that you own.
What is the address of your primary residential property i.e your home?
Start typing part of the address
e.g Ponance Bank
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We’ll now ask you for more detail about the properties that you own.
What is the address of the second residential property?
Start typing part of the address
e.g Ponance Bank
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We’ll now ask you for more detail about the properties that you own.
What is the address of the third residential property?
Start typing part of the address
e.g Ponance Bank
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We’ll now ask you for more detail about the properties that you own.
What is the address of the fourth residential property?
e.g Ponance Bank
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We’ll now ask you for more detail about the properties that you own
What is the address of your first investment property? Please do not include any commercial investment property.
Start typing part of the address
e.g Ponance Bank
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We’ll now ask you for more detail about the properties that you own.
What is the address of your second investment property?
Start typing part of the address
e.g Ponance Bank
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We’ll now ask you for more detail about the properties that you own.
What is the address of your third investment property?
Start typing part of the address
e.g Ponance Bank
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
One final check before moving on to borrowing details
You've already added [x]
You've already added [x] , this is the maximum number of investments properties you can own to get your Agreement in Principle online.
We are only able to accept applications online for properties valued up to a maximum of £5,000,000. Please contact one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
Based off your property price, the deposit does not meet the Loan to Value criteria for an online Agreement in Principle. For a residential purchase, the deposit must be at least 5% of the property price. For a buy to let, it must be at least 25%. Please get in touch with one of our mortgage professionals.
You can get in touch with us over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
For a buy to let property, your deposit must be at least 25% of the amount of the property purchase value. Please get in touch with one of our mortgage professionals.
You can get in touch with us over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
Based on your last valuation please enter value of your current property.
We are only able to accept applications online for properties valued up to a maximum of £5,000,000. Please contact one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
We are only able to accept applications online for properties valued from £25,000 to £5,000,000. Please contact one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
For a new build home, we require a deposit that is at least between 15% and 25% of the value of the property.
Our Green mortgage products are here to reward customers who want to buy an energy efficient home. If the home you’re looking at has a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible for better mortgage interest rates.
You can check the EPC Rating of the property you’re interested in at EPC Register , Wales & Northern Ireland, or Scottish EPC Register in Scotland.
Our Green mortgage products are here to reward customers who want to remortgage an energy efficient home. If your home has a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible for better mortgage interest rates.
You can check the EPC Rating of the property you’re interested in at EPC Register , Wales & Northern Ireland, or Scottish EPC Register in Scotland.
Our Green mortgage products are here to reward customers who want to remortgage an energy efficient home. If your home has a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible for better mortgage interest rates.
You can check the EPC Rating of the property you’re interested in at EPC Register , Wales & Northern Ireland, or Scottish EPC Register in Scotland.
Our Green mortgage products are here to reward customers who want to remortgage an energy efficient home. If your home has a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible for better mortgage interest rates.
You can check the EPC Rating of the property you’re interested in at EPC Register , Wales & Northern Ireland, or Scottish EPC Register in Scotland.
To get an idea of how much you could be paying each month, we'll need to know your mortgage term (how long you need to pay off your mortgage). Start by telling us when you expect to retire.
Don't worry if you're not sure. Just an estimation will help us work out if you want to borrow into your retirement.
We can’t offer you a mortgage term if it goes into your retirement.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
This is how long you'll take to pay off your mortgage e.g. 25 years
This is how long you'll take to pay off your mortgage e.g. 2 months
We can’t offer you a mortgage term if it goes into your retirement.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
£0
This is the total income you receive
£0
This is the total income the joint applicant receives
£0
This is the total outstanding credit card balance across all your cards
£0
This is the total monthly repayment across all loans
£0
This is the total fixed monthly expenditure
£0
This is the total outstanding credit card balance
£0
This is the total monthly loan repayments
£0
This is the total fixed monthly expenditure
£0
This is based on the value of the property and your deposit or, if remortgaging, the amount you still owe on the mortgage
0%
This reflects how much mortgage you have in relation to how much your property is worth
With a mortgage term of
depending on the mortgage deal you choose
Remember: The longer it takes you to pay off your mortgage, the higher the amount of interest you will pay.
Want to speak to someone?
You can do this in branch or over the phone. Call us on 0800 096 9527. Opening hours: Mon-Thu 8am-8pm, Fri 8am-6pm, Sat 9am-4pm, Sun closed. Excluding public holidays. Next Generation Text Service: 18001 0800 096 9527
A mortgage of £153,732.00 payable over 25 years initially on a fixed rate for 2 years at 2.64% and then our variable rate of 4.49% for the remaining 23 years would require 24 monthly payments of £700.56 and 276 monthly payments of £842.35.
The total amount payable would be £250,646.98 made up of the loan amount of £153,732.00 plus interest of £96,914.98. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 4.3% APRC representative.
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You could borrow what you need
Based on what you’ve told us you may be able to borrow up to
We can't lend you the full amount, but you could borrow up to:
You wanted to borrow
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These results are only an indication for now. The amount we could lend you depends on a few things.
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A mortgage of £153,732.00 payable over 25 years initially on a fixed rate for 2 years at 2.64% and then our variable rate of 4.49% for the remaining 23 years would require 24 monthly payments of £700.56 and 276 monthly payments of £842.35.
The total amount payable would be £250,646.98 made up of the loan amount of £153,732.00 plus interest of £96,914.98. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 4.3% APRC representative.
The rates you see online are the same as what we'll offer in branch or over the phone.
The rates available are subject to change and you must choose from the rates available on the day you submit your application.
Some of the rates below are only available online and others can be applied for over the phone or via video appointment. Find out more about the differences between applying online or with a mortgage adviser.
The rates available are subject to change and you must choose from the rates available on the day you submit your application.
No results for the selected search
Showing [X] mortgage result
Showing all [X] results
No results for selected search
Showing [X] mortgage result
Showing all [X] results
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A mortgage of £153,732.00 payable over 25 years initially on a fixed rate for 2 years at 2.64% and then our variable rate of 4.49% for the remaining 23 years would require 24 monthly payments of £700.56 and 276 monthly payments of £842.35.
The total amount payable would be £250,646.98 made up of the loan amount of £153,732.00 plus interest of £96,914.98. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 4.3% APRC representative.
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{{/each}}{{= eligibilitytext[i]}}
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{{/each}} {{else}} - {{/if}} {{else}} - {{/if}}Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.
You can return to your mortgage dashboard and review the details you've entered at any time.
Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.
You can save your progress at any time and return at a time that suits you.
This product is currently unavailable to apply for online. Please get in touch to speak to one of our mortgage professionals who will be able to support you with your application.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
You can save your progress at any time and return at a time that suits you.
This product is currently unavailable to apply for online. Please get in touch to speak to one of our mortgage professionals who will be able to support you with your application.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
You can return to your mortgage dashboard and review the details you've entered at any time.
Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.
You can return to your mortgage dashboard and review the details you've entered at any time.
Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.
You can save your progress at any time and return at a time that suits you.
Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.
You can return to your mortgage dashboard and review the details you've entered at any time.
Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.
You can save your progress at any time and return at a time that suits you.
This product is currently unavailable to apply for online. Please get in touch to speak to one of our mortgage professionals who will be able to support you with your application.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
You can save your progress at any time and return at a time that suits you.
This product is currently unavailable to apply for online. Please get in touch to speak to one of our mortgage professionals who will be able to support you with your application.
Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527
You can return to your mortgage dashboard and review the details you've entered at any time.
A mortgage of £153,732.00 payable over 25 years initially on a fixed rate for 2 years at 2.64% and then our variable rate of 4.49% for the remaining 23 years would require 24 monthly payments of £700.56 and 276 monthly payments of £842.35.
The total amount payable would be £250,646.98 made up of the loan amount of £153,732.00 plus interest of £96,914.98. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 4.3% APRC representative.
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{{/each}} {{else}} - {{/if}} {{else}} - {{/if}}Return to the list of mortgages to select and compare mortgages that are right for you.
Sometimes it's best to talk to an expert. Our friendly mortgage professionals can support you throught the process.
You can get in touch over the phone or visit us in branch.
Return to the list of mortgages to select and compare mortgages that are right for you.
Sometimes it's best to talk to an expert. Our friendly mortgage professionals can support you throught the process.
You can get in touch over the phone or visit us in branch.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
A mortgage of £153,732.00 payable over 25 years initially on a fixed rate for 2 years at 2.64% and then our variable rate of 4.49% for the remaining 23 years would require 24 monthly payments of £700.56 and 276 monthly payments of £842.35.
The total amount payable would be £250,646.98 made up of the loan amount of £153,732.00 plus interest of £96,914.98. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 4.3% APRC representative.