Helping you buy your home

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Buying a home

We’ve been successfully helping people buy their homes since 1867 and with our experience and knowledge you can be sure you’ll be in safe hands. So, whether your upsizing, downsizing, self employed, retired or a member of the Armed Forces we can help you buy your home.

You can find more information about our mortgages and answers to some questions you may have in our Mortgage FAQs.

Our mortgage calculator is designed to show you how much you could potentially borrow and how much your monthly payments would be. The amount is based solely on your income without deducting household expenses and financial commitments. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Gross annual income

Applicant #1 income *

Applicant #2 income (optional)

You can borrow up to:

LTV Amount

Property Value

Your Deposit

Your loan-to-value (LTV):

Payment Terms

Mortgage Term

Payment options
Repayment
Interest Only

Fixed rate

Buy to Let 2 Year Fixed
Representative Example

5.85%

7.9% APRC

80%

£499

Product
Buy to Let 2 Year Fixed
Representative Example

Initial rate
5.85%

Overall cost for comparison
7.9% APRC

Max% LTV
80%

Completion Fee
£499

Discounted Market Value – 2 Year Fixed
Representative Example

5.99%

7.9% APRC

95%

£499

Product
Discounted Market Value – 2 Year Fixed
Representative Example

Initial rate
5.99%

Overall cost for comparison
7.9% APRC

Max% LTV
95%

Completion Fee
£499

Discounted Market Value – 5 Year Fixed
Representative Example

5.89%

7.4% APRC

95%

£499

Product
Discounted Market Value – 5 Year Fixed
Representative Example

Initial rate
5.89%

Overall cost for comparison
7.4% APRC

Max% LTV
95%

Completion Fee
£499

Holiday Let 2 Year Fixed Rate
Representative Example

4.99%

8.0% APRC

80%

£5000

Product
Holiday Let 2 Year Fixed Rate
Representative Example

Initial rate
4.99%

Overall cost for comparison
8.0% APRC

Max% LTV
80%

Completion Fee
£5000

Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example

5.79%

7.8% APRC

80%

£499

Product
Joint Borrower Sole Proprietor – 2 Year Fixed
Representative Example

Initial rate
5.79%

Overall cost for comparison
7.8% APRC

Max% LTV
80%

Completion Fee
£499

Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example

6.25%

7.5% APRC

100%

£499

Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example

Initial rate
6.25%

Overall cost for comparison
7.5% APRC

Max% LTV
100%

Completion Fee
£499

Credit Repair (Tier 4) – 2 Year Fixed
Representative Example

6.99%

8.1% APRC

70%

£499

Product
Credit Repair (Tier 4) – 2 Year Fixed
Representative Example

Initial rate
6.99%

Overall cost for comparison
8.1% APRC

Max% LTV
70%

Completion Fee
£499

Impaired Credit (Tier 3) – 2 Year Fixed
Representative Example

6.50%

8.0% APRC

70%

£499

Product
Impaired Credit (Tier 3) – 2 Year Fixed
Representative Example

Initial rate
6.50%

Overall cost for comparison
8.0% APRC

Max% LTV
70%

Completion Fee
£499

Near Prime (Tier 2) – 2 Year Fixed
Representative Example

6.25%

7.9% APRC

80%

£499

Product
Near Prime (Tier 2) – 2 Year Fixed
Representative Example

Initial rate
6.25%

Overall cost for comparison
7.9% APRC

Max% LTV
80%

Completion Fee
£499

Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example

7.15%

8.2% APRC

70%

£499

Product
Credit Repair (Tier 4) Borrowing Into Retirement 2 Year Fixed
Representative Example

Initial rate
7.15%

Overall cost for comparison
8.2% APRC

Max% LTV
70%

Completion Fee
£499

Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example

6.55%

8.1% APRC

70%

£499

Product
Impaired Credit (Tier 3) Borrowing Into Retirement 2 Year Fixed
Representative Example

Initial rate
6.55%

Overall cost for comparison
8.1% APRC

Max% LTV
70%

Completion Fee
£499

Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example

5.99%

7.5% APRC

95%

£999

Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example

Initial rate
5.99%

Overall cost for comparison
7.5% APRC

Max% LTV
95%

Completion Fee
£999

Borrowing Into Retirement 2 Year Fixed
Representative Example

5.99%

7.9% APRC

80%

£499

Product
Borrowing Into Retirement 2 Year Fixed
Representative Example

Initial rate
5.99%

Overall cost for comparison
7.9% APRC

Max% LTV
80%

Completion Fee
£499

Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example

6.35%

8.0% APRC

80%

£499

Product
Near Prime (Tier 2) Borrowing Into Retirement 2 Year Fixed
Representative Example

Initial rate
6.35%

Overall cost for comparison
8.0% APRC

Max% LTV
80%

Completion Fee
£499

5 Year Fixed
Representative Example

5.89%

7.4% APRC

95%

£999

Product
5 Year Fixed
Representative Example

Initial rate
5.89%

Overall cost for comparison
7.4% APRC

Max% LTV
95%

Completion Fee
£999

Shared Ownership 2 Year Fixed
Representative Example

6.10%

7.9% APRC

95%

£0

Product
Shared Ownership 2 Year Fixed
Representative Example

Initial rate
6.10%

Overall cost for comparison
7.9% APRC

Max% LTV
95%

Completion Fee
£0

Shared Ownership 5 Year Fixed
Representative Example

5.85%

7.4% APRC

95%

£0

Product
Shared Ownership 5 Year Fixed
Representative Example

Initial rate
5.85%

Overall cost for comparison
7.4% APRC

Max% LTV
95%

Completion Fee
£0

Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example

7.15%

8.2% APRC

70%

£499

Product
Credit Repair (Tier 4) Shared Ownership 2 Year Fixed
Representative Example

Initial rate
7.15%

Overall cost for comparison
8.2% APRC

Max% LTV
70%

Completion Fee
£499

Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example

6.55%

8.1% APRC

70%

£499

Product
Impaired Credit (Tier 3) Shared Ownership 2 Year Fixed
Representative Example

Initial rate
6.55%

Overall cost for comparison
8.1% APRC

Max% LTV
70%

Completion Fee
£499

Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example

6.35%

8.0% APRC

80%

£499

Product
Near Prime (Tier 2) Shared Ownership 2 Year Fixed
Representative Example

Initial rate
6.35%

Overall cost for comparison
8.0% APRC

Max% LTV
80%

Completion Fee
£499

Variable rate

Buy for University – Term Discount
Representative Example

6.35%

6.7% APRC

100%

£499

Product
Buy for University – Term Discount
Representative Example

Initial rate
6.35%

Overall cost for comparison
6.7% APRC

Max% LTV
100%

Completion Fee
£499

Family Deposit Mortgage 2 Year Discount
Representative Example

6.09%

7.9% APRC

100%

£499

Product
Family Deposit Mortgage 2 Year Discount
Representative Example

Initial rate
6.09%

Overall cost for comparison
7.9% APRC

Max% LTV
100%

Completion Fee
£499

Borrowing Into Retirement Term Discount
Representative Example

6.05%

6.3% APRC

80%

£999

Product
Borrowing Into Retirement Term Discount
Representative Example

Initial rate
6.05%

Overall cost for comparison
6.3% APRC

Max% LTV
80%

Completion Fee
£999

Buy for University – Term Discount
Representative Example

6.04%

6.4% APRC

80%

£499

Product
Buy for University – Term Discount
Representative Example

Initial rate
6.04%

Overall cost for comparison
6.4% APRC

Max% LTV
80%

Completion Fee
£499

2 Year Discount
Representative Example

5.89%

7.8% APRC

95%

£499

Product
2 Year Discount
Representative Example

Initial rate
5.89%

Overall cost for comparison
7.8% APRC

Max% LTV
95%

Completion Fee
£499