The answer depends on your income and outgoings as well as the amount of equity you have in your current home (if that applies). We won't lend more than you can afford to repay.

Your interest rate will depend on your personal circumstances. Please call on 0800 528 2838 (Monday to Thursday 8am to 8pm and Friday 8am to 7pm) and one of our trained advisors will be able to assist.

Yes, but there may be fees to pay to cover the administration involved in redeeming the mortgage early, plus the costs that we incur by repaying the money we borrowed to give you your mortgage. If you're redeeming your mortgage to take out another mortgage with us (such as to move to larger house), we may waive or reduce the fees.

Payment Protection Insurance (PPI), which covers your monthly payments if you’re unable to work due to accident, sickness or unemployment, is available. For details, call 0800 528 2838.

Click here for a consumer guide to Payment Protection Insurance (PPI).

Yes. We offer competitive rates based on your individual circumstances so if you've got a good record, you'll get a rate to match.

No. We consider everyone's circumstances such as

You have County Court Judgements (CCJs)
You're self-employed
You have no conventional proof of income
You have been in arrears with a mortgage
You have previously been bankrupt

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

For new customers, an arrangement fee of 3.0% of the advance - minimum of £1,500 to a maximum of £4,000 will be charged, plus a typical completion fee of £1,295.00.

For existing customers, an arrangement fee of 3.0% of the advance - minimum of £1,250 to a maximum of £4,000 will be charged, plus a typical completion fee of £1,295.00.

Any changes to an existing account may be subject to early repayment charges that are part of the terms and conditions of your mortgage.