How to apply for a mortgage

When you apply for a mortgage you can use your phone phone or visit your local branch and speak to a mortgage advisor. Please note that mortgages are available to residents only aged 18 or over and subject to a valuation. Moving home can be stressful so your mortgage provider aims to make the application process simple and hassle free. When you have finalised your property search and have formally applied for a mortgage, arrangements will be made for a valuation of the property to ensure that it is suitable security for your mortgage. Dependent on the type of mortgage you apply for, you may be eligible for a free basic valuation.

The easiest way to start your application is online. When you're ready to complete your application, you can do so over the phone, by post, or in your local branch.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgages at 80% of purchase price are limited to 70% of the valuation so unless you know what the property will value at you cannot be sure if you can borrow 80% or not. This should be taken into consideration before you pay over a reservation or deposit – especially so if your funds are limited and you really do need more than 70%. With a flexible, competitive and easy to understand range of products, it's easy to see why 93% of new mortgage customers say they would recommend their provider to friends and family*.

There's a great range of competitive deals for you to choose from:

Fixed Rate Mortgages - The interest rate is fixed until the end of the term, so your monthly payments won't change
Tracker Mortgages - Tracks the Base Rate, so monthly payments may go down, as well as up
Offset Mortgage - Offset your savings against a mortgage, so you only pay interest on the difference

How to apply for a mortgage

See also