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Can I apply?

Before you start your mortgage application, let's check to confirm you meet our minimum criteria.

We may be able to offer you a mortgage if:

  • The main earner is at least 21 years of age, additional applicants must be at least 18
  • You will be no older than 75 at the end of the mortgage term (70 for self build and custom build mortgages) - subject to the applicants declared retirement age and assessment of affordability
  • The mortgage you require is between a minimum term 5 years and a maximum term 35 years
  • You are able to declare address history for the last three years' as well as providing evidence of current address residency
  • You are able to provide proof of income - see documentation required to apply for a mortgage here

At this time we are unable to offer you a mortgage if:

  • The intended property is outside of England and Wales
  • You have an adverse credit history - if you have any doubt about your credit history, click here
  • The property purchase is intended as a buy to let
  • The intended property falls into our category of unacceptable property types - see list here

Great - I'm ready to apply

If you're happy that you meet our lending criteria, click here to visit our 'How to apply' page to start the process of applying for a mortgage with us.

How much can I borrow?

Use our 'How much can I borrow calculator' to get an indication of how much we could lend to you.

Mortgage Calculator
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