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Get a personalised indication of how much we could lend to you with a Decision in Principle (DIP). It won't affect your credit score.
Get a Decision in Principle open_in_newOur mortgage finder will help you find a mortgage deal that works for you and give you an idea of what your monthly repayments could be.
If you were born abroad and now want to buy a home, we might be able to help.
You can apply for a foreign national mortgage with us if you have one of the following visas:
We can also consider applicants on:
There's no minimum income you need to earn, you just need three years of UK address history, and we can lend up to 90% of the property's value.
End date
Reversion rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/12/2027, followed by 4.5% of amount repaid until 31/12/2028, followed by 3.5% of amount repaid until 31/12/2029, followed by 2.5% of amount repaid until 31/12/2030, followed by 1.5% of amount repaid until 31/12/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End date
Reversion rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 31/12/2027, followed by 4.5% of amount repaid until 31/12/2028, followed by 3.5% of amount repaid until 31/12/2029, followed by 2.5% of amount repaid until 31/12/2030, followed by 1.5% of amount repaid until 31/12/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End date
Reversion rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/12/2027, followed by 1.5% of amount repaid until 31/12/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End date
Reversion rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 31/12/2027, followed by 2.5% of amount repaid until 31/12/2028, followed by 1.5% of amount repaid until 31/12/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End date
Reversion rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/12/2027, followed by 1.5% of amount repaid until 31/12/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End date
Reversion rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 31/12/2027, followed by 1.5% of amount repaid until 31/12/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
We’ll instruct a mortgage valuation. This is for our own use only. The cost of the valuation is set out in the product features. Where you feel you need more information about the property including its condition, there are three additional types of survey available to you: Home Survey Level 1 (Previously known as a Condition Report), Level 2 (Previously known as a Home Buyers’ Survey) and Level 3 (Previously known as a Building Survey). You’ll need to decide which level is best for you. For further details please visit rics.org
Representative example
A mortgage of £237,000 payable over 35 years initially on a fixed rate for two years at 5.89% and then on our current standard variable rate of 6.24% (variable) for the remaining 33 years would require an initial payment of £2,519.47, 25 monthly payments of £1,333.89 and 394 monthly payments of £1,387.73.
The total amount payable would be £582,411.76, made up of the loan amount plus interest (£345,411.76) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.4% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Whether you have a question or are ready to take the next step, we're happy to help.
0345 241 3785schedule 8:30am to 6:00pm Monday to Friday
schedule 8:30am to 12:30pm on Saturday
