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.

Learn more

Remortgaging

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

Learn more

Moving home

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

Learn more

Existing customers

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

Learn more

Armed forces

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

Learn more

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.

Learn more

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?

Learn more

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.

Learn more

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.

Learn more

What is Negative Equity?

Negative equity can be worrying - but here is some information to help you understand it.

Learn more

Find the mortgage for you