Home Mortgages Mortgage guides

Mortgage guides

First time buyers

If you're new to the world of mortgages, this guide will tell you everything you need to know.

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Remortgaging

All the information you need to make moving your mortgage to us as simple as possible.

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Moving home

If you'd like to move your mortgage to us from another lender, there are lots of ways we can help.

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Existing customers

If you’d like to make any changes to your existing first direct mortgage, this guide will show you how.

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Armed forces

We understand that being in the Forces can make things complicated so here are some flexible mortgage options available to you.

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Useful links and contacts

Buying a home is a big decision – here are some resources you can use to help you make up your mind.

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Hang my hat

They say hands build a house and hearts build a home, but what does it actually take to find that special place?

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Could climate change impact your mortgage application?

From flooding to coastal erosion – some properties are more at risk from climate change than others. But what does it mean for your mortgage?

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What is concentration risk?

Concentration risk can occur if a lender approves mortgages on too many homes in the same place, raising the possibility of financial losses.

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Can a low EPC rating affect your mortgage application?

It can sometimes be difficult to get a mortgage on a property with a low Energy Performance Certificate (EPC) rating.

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Find the mortgage for you