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• First time buyer Select this if you've never owned a residential property anywhere in the world. For joint applications, both of you must be first time buyers to qualify.
• Home mover Select this if you:
  currently own your own home, are looking to move and need a mortgage to make your new purchase don't currently own a property but have done in the past.
  If you’re moving house and already have a first direct mortgage you may be able to ‘port’ it – give us a call on 03 456 100 103 and we’ll talk you through your options.
• Remortgage Select this if you currently have a mortgage with another lender and are looking to move it to us.
• Existing mortgage customer Select this if your mortgage is already with us and you’re looking to make changes like borrowing more money or switching to a new rate.

• First time buyer Select this if you've never owned a residential property anywhere in the world. For joint applications, both of you must be first time buyers to qualify.
• Home mover Select this if you:
  currently own your own home, are looking to move and need a mortgage to make your new purchase don't currently own a property but have done in the past.
  If you’re moving house and already have a first direct mortgage you may be able to ‘port’ it – give us a call on 03 456 100 103 and we’ll talk you through your options.
• Remortgage Select this if you currently have a mortgage with another lender and are looking to move it to us.

• Yes, change to a new mortgage rate We’ll also ask you if you want to change other parts of your application like the purchase price, purchase price, property value, mortgage amount and term.
• No, I’m happy with the rate I’ve chosen Next we’ll ask you what parts of your application you want to change.

• I only want to change the purchase price, purchase price, property value, mortgage amount and/or term All the other details from my original application are the same.
• I also need to change my: employment and/or income expenditure property details You'll also be able to change other parts of your application like the purchase price, purchase price, property value, mortgage amount and term if you want to.

You’ll be asked to confirm your purchase price, purchase price, property value, mortgage amount and term when selecting your new rate.

• Yes I’d like to change one or more of the following: employment and/or income expenditure property details
• No All the other details from my original application are the same.

• Review our rates Take a look at our rates and find out how to apply

• Start a new application If you haven't started your application yet or you want to take a look at our current rates.
• Amend an existing application If you've already made an application online and need to change something.

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