Check out our First-Time Buyer rates
We aim to cater for people buying their first home with mortgage products suited for your needs. Many of our mortgages are available to you for your newly built home using the Government's Help to Buy Equity Loan Scheme.
Know what you can afford
It is not in your or our best interests for you to borrow more than you can afford to repay. Our current policy is to carry out a financial assessment based on your ability to keep making monthly repayments and the value of the property you are using as security. To help us make our assessment we will ask you for details of all your income and expenditure.
Depends on the value of the property you wish to buy and the amount of your loan compared to the valuation of the property. (The loan-to-value is shown as a percentage).
Each mortgage product requires a different deposit so please speak to one of our friendly Mortgage Advisors to find out more.
Monthly payments & affordability
There are many factors which can influence what you will pay on a monthly basis and what you can afford. And as always, our friendly Mortgage Advisors are on hand to help.
You may have to pay the following when you are buying a home and getting a mortgage.
• An estate agent’s fee.
• Legal fees.
• An application fee, product fee or any other fees which are detailed in the ESIS illustration.
• A valuation fee.
• A higher lending charge.
Your ESIS illustration includes details of all the other relevant costs relating to your mortgage. If any of our administration fees change, we will send you notice of these at least once a year.
Start your application
If you're ready to start your application then click below to proceed. Make sure you have everything you need in order to quicken the process.
Ways to apply