Find out how much you can borrow
A great place to start when thinking about getting a mortgage with us, is to see how much we might lend to you. You can use our how much can I borrow calculator. Just answer a few questions about your income and how much you spend to get an idea.
Mortgage eligibility
Once you know how much you could borrow, it's time to check you tick all the eligibility boxes.
Our lending criteria outlines the things we check your mortgage application against. It's how we decide whether we can lend to you.
Mortgage options
We offer a range of different mortgage products. Whether you're a first time buyer, looking to move or reviewing your current deal, we can help.
You can browse all of our mortgages online, but if you're not sure which one's right for you, our mortgage advisers will be able to help you find the best fit.
How to apply
Give us a call on 0345 241 3785 when you're ready to start your application. We're available Monday to Friday 8:30am to 6:00pm and 8:30am to 12:30pm on Saturdays.
You can also leave us a message to request a call back, and we'll contact you.
Or pop into your local branch for a chat in-person.
What documents you'll need when you apply
There are a few documents we'll need to see during the application process. These are likely to include:
Proof of income
- Up to 3 months' payslips.
- Your latest P60.
Or if you're self-employed, we'll need all or a combination of the following:
- Last 2 years' full accounts.
- Last 2 years' Tax Assessments (SA302).
- Last 2 years' Tax Year Overview.
- Last 3 months' business bank statements.
Proof of ID
A passport or driving license are the more commonly used documents for proof of ID, but we'll accept other forms of ID if you don't have these. You'll also need to make sure these documents are in date.
To see a full list of the type of documents we accept, take a look at our 'Important information on Identification' leaflet.
Other documents we might ask for
- Proof of deposit. If your deposit is being gifted, we'll also need you to complete a confirmation of gifted deposit form.
- Latest full month's bank statements showing salary credits, utility bills, mortgage payments and day to day expenditure.
- Your most recent mortgage statement.
- Evidence of repayment vehicle for any element of interest only.
Tracking your mortgage application
Once you've applied for a mortgage with us and have an application reference number, you'll be able to track its progress using our mortgage tracker.
What happens next
Once your mortgage has been agreed, we’ll send you a mortgage offer pack in the post. This will include our terms and conditions, our fees and charges and any special conditions of the mortgage you've applied for.
It's really important you read these documents carefully - if there's anything you don't understand, speak to us or your solicitor.
Common questions
Yes - solicitor you use will need to be on our panel.
If they're not on our panel, we can provide details for them to apply.
You'll find a list of our valuation options and fees here.
Six months from the date the original offer is issued, or nine months for new build homes. The offer will then be automatically withdrawn and you may need to re-apply for a new mortgage.
If you're worried you won't complete before your mortgage offer expires, please get in touch with us as soon as possible.
We may be able to extend your mortgage offer up to three months. We'll need to complete a new valuation and may ask for some more documentation.
That's why it's important to contact us as soon as possible if you have any concerns about completing before your mortgage offer is due to expire.