This is what type of buyer you are. Are you buying a property for the first time, remortgaging an existing property, moving home, do you already have a mortgage with us or are you amending an existing application you have with us?

We offer two types of mortgage:

Repayment Mortgage – each month, you pay interest and pay off some of the outstanding balance. Learn more about our repayment mortgages

Offset Mortgages – are interest only mortgages. Each month, you are only required to pay interest on the outstanding balance. However, the amount of interest you pay can be reduced by offsetting your savings with us. Available to sole applicants with a minimum salary of £50,000, or joint applicants with combined salaries of £75,000 or where one party has an individual salary of £50,000. This type of mortgage requires a repayment strategy. Learn more about which repayment strategies are acceptable for our purposes
Learn more about our Offset Mortgage

You’ve got three choices here:

Fixed Rate Mortgage – interest rate is fixed for a set period of time. This will fix your mortgage payments for the duration of the fixed rate term. Find out more about fixed rates

Tracker Rate Mortgage – interest rate is variable and is set at an agreed percentage above the Bank of England Base Rate. Your interest rate will change if and when the Bank of England adjusts the Base Rate. Find out more about tracker rates rates

Standard Variable Rate (SVR) Mortgage – interest will vary from time to time, at a rate set by us. Find out more about our SVR