Residential mortgages

Buying your own home is one of the biggest financial decisions you’ll ever make. We understand no two borrowers are the same which is why we offer a flexible approach to mortgage criteria with manual underwriting. The range includes 95% Residential mortgages, where you only need a 5% deposit to get on the property ladder.

Our Standard Residential mortgages offer a Joint Borrower Sole Proprietor option, which may be useful if affordability is tight, as we take into account parent’s income when assessing the mortgage application, without them becoming a legal owner of the property. Give our mortgage team a call to chat about your individual situation.

Mortgages are secured against your home. You could lose your home if you do not keep up payments on your mortgage.

Affordability calculator

Find out how much you can borrow with our affordability calculators.

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Monthly payments calculator

Use the calculator to find out what your monthly payments might be based on the mortgage product and the type and term of your borrowing.

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Mortgage details

Property value i

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Mortgage amount required i

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Your loan to value is i

We’re sorry but the maximum LTV for this product is X%

Mortgage repayment type i

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Mortgage term i

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Your estimated monthly payments: i

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Please scroll down for monthly payments by product.

This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Variable rate Residential mortgages

Our Standard Variable Rate (SVR) is currently 8.19% (variable). Please note from 1st January 2025 the SVR will be 7.99% (variable). There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.

Product name

Residential variable for 2 years

Initial rate

5.54%

Discount from SVR

2.65%

Overall cost for comparison

7.7% APRC

Max LTV %

80%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Product name

Fee Saver 95% Residential variable for 2 years

Initial rate

6.59%

Discount from SVR

1.60%

Overall cost for comparison

7.9% APRC

Max LTV %

95%

Product fee

£0

Mortgage repayment

£XXX.xx per month

Calculate

Product name

Fee Saver 80% Residential variable for 2 years

Initial rate

5.79%

Discount from SVR

2.40%

Overall cost for comparison

7.7% APRC

Max LTV %

80%

Product fee

£0

Mortgage repayment

£XXX.xx per month

Calculate

Product name

95% Residential variable for 2 years

Initial rate

6.24%

Discount from SVR

1.95%

Overall cost for comparison

8.0% APRC

Max LTV %

95%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Fixed rate Residential mortgages

The mortgages listed below move on to our Standard Variable Rate (SVR), 8.19% (variable) after the initial rate period. Please note from 1st January 2025 the SVR will be 7.99% (variable).

Product name

Residential fixed for 5 years

Initial rate

4.89%

Overall cost for comparison

6.8% APRC

Max LTV %

80%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Product name

95% Residential fixed for 5 years

Initial rate

5.39%

Overall cost for comparison

7.3% APRC

Max LTV %

95%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Product name

Residential fixed for 2 years

Initial rate

5.19%

Overall cost for comparison

7.4% APRC

Max LTV %

80%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Product name

95% Residential fixed for 2 years

Initial rate

5.89%

Overall cost for comparison

7.9% APRC

Max LTV %

95%

Product fee

£999

Mortgage repayment

£XXX.xx per month

Calculate

Loan:	Size: Minimum £50,000, Maximum £300,000 Term: Minimum 5 years, Maximum 40 years.
Property:	Minimum Value: £100,000. Must be in England, Wales or Scotland. We are also unable to offer a Right To Buy mortgage in Scotland.
All applicants:	Must be a UK resident. Minimum age 18. Maximum age 85, subject to income in retirement.
Income:	Household income must be at least £20,000. No minimum period of employment, but must have passed probation, or have 3 years self employment history.

Loan:

Size: Minimum £50,000, Maximum £300,000
Term: Minimum 5 years, Maximum 40 years.

Property:

Minimum Value: £100,000. Must be in England, Wales or Scotland. We are also unable to offer a Right To Buy mortgage in Scotland.

All applicants:

Must be a UK resident. Minimum age 18. Maximum age 85, subject to income in retirement.

Income:

Household income must be at least £20,000.

No minimum period of employment, but must have passed probation, or have 3 years self employment history.

Income After Deductions	Sole Borrower	Joint Borrowers
£20,000-£50,000	4.5x	4.5x
Over £50,000	5.0x	5.0x

Income After Deductions

Sole Borrower

Joint Borrowers

£20,000-£50,000

4.5x

Over £50,000

5.0x

Criteria	Residential	Credit Repair 1	Credit Repair 2
LTV	95%	80%	70%
Defaults	None in the last 6 years	Maximum 3 defaults satisfied over 2 years*	Maximum 3 defaults registered over 2 years*
CCJ’s / Sheriff Court Decree (Scotland)	None in the last 6 years	Maximum 3 CCJs satisfied over 2 years**	Maximum 3 CCJs registered over 2 years**
Mortgage/Rent Arrears	None in the last 3 years	Maximum status 1 in the last 2 years, satisfied for at least 12 months	Maximum status 2 in the last 2 years, satisfied for at least 6 months
Unsecured Arrears (loans, credit cards, hire purchase etc.)	None in the last 3 years	Maximum status 1 in the last 2 years	Maximum status 2 in the last 2 years
Bankruptcy/IVA/Sequestration/Protected Trust Deed (Scotland)	None in the last 6 years	Satisfied over 3 years	Satisfied over 2 years
Pay day loans	None in the last year	None in the last year	None in the last year
DRO/DPP (Scotland)/DMP	None in the last 6 years	Satisfied over 2 years	Satisfied over 1 year
*Defaults cannot exceed £2,500 cumulatively
**CCJs cannot exceed £500 cumulatively

Residential mortgages

Variable rate Residential mortgages

Fixed rate Residential mortgages

Representative example

Residential Lending Criteria and Information

Customer feedback

How to apply

Residential mortgages

Variable rate Residential mortgages

Fixed rate Residential mortgages

Representative example

Residential Lending Criteria and Information

Customer feedback

How to apply

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