If you're a new customer looking for a mortgage, please contact a mortgage broker. They'll be able to discuss your personal circumstances to help you find the right mortgage. You can find a mortgage broker by searching online or by asking friends and family for personal recommendations.
Thinking about taking your first step on the property ladder? We understand that raising a deposit is easier said than done, especially if you don’t have much in the way of savings. That's why we offer mortgages to people with small deposits and big dreams. And because we know that behind every mortgage application is a real person, we take the time to individually assess every application.
If you're looking for a new mortgage, please contact a mortgage broker. They'll be able to discuss your personal circumstances to help you find the right mortgage. You can find a mortgage broker by searching online or by asking friends and family for personal recommendations.
LTV or loan-to-value is the value of the mortgage compared to the value of the property expressed as a percentage. For example, if you have a 5% deposit you’ll need a 95% LTV mortgage.
To help, we've created a guide to some of the terminology you'll hear when applying for a mortgage. You can view our mortgage jargon buster here.
A decision in principle is a document we’ll provide confirming the amount you’ll be able to borrow subject to a full assessment when you apply. The amount may change once we review your application in full.
To help, we've created a guide to some of the terminology you'll hear when applying for a mortgage. You can view our mortgage jargon buster here.
We believe the self-employed shouldn't be penalised because their finances are more complex or variable. That's why we look at the big picture and take into account individual circumstances.
View our frequently asked questions for new customers.
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