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Helping you buy your home

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Home > Mortgages > Buying a home

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.

Try our mortgage calculator, which is designed to show you how much you could potentially borrow, which products are available to you and how much your monthly payments would be.

You can find more information and answers to some questions you may have here.

Try our mortgage Calculator
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





LTV Amount





Payment Terms





Fixed rate

Product
Initial rate
Overall cost
for comparison
Max % LTV
Completion Fee
Mortgage Repayment
 
2 Year Fixed
Representative Example
2.95%
5.00% APRC
85%
£999
Product
2 Year Fixed
Representative Example
Initial rate
2.95%
Overall cost for comparison
5.00% APRC
Max% LTV
85%
Completion Fee
£999
5 Year Fixed
Representative Example
2.99%
4.3% APRC
80%
£499
Product
5 Year Fixed
Representative Example
Initial rate
2.99%
Overall cost for comparison
4.3% APRC
Max% LTV
80%
Completion Fee
£499
5 Year Fixed
Representative Example
3.20%
4.5% APRC
85%
£499
Product
5 Year Fixed
Representative Example
Initial rate
3.20%
Overall cost for comparison
4.5% APRC
Max% LTV
85%
Completion Fee
£499
5 Year Fixed
Representative Example
3.65%
4.6% APRC
90%
£0
Product
5 Year Fixed
Representative Example
Initial rate
3.65%
Overall cost for comparison
4.6% APRC
Max% LTV
90%
Completion Fee
£0
3 Year Fixed Borrowing Into Retirement
Representative Example
3.19%
4.9% APRC
60%
£0
Product
3 Year Fixed Borrowing Into Retirement
Representative Example
Initial rate
3.19%
Overall cost for comparison
4.9% APRC
Max% LTV
60%
Completion Fee
£0
Shared Ownership 2 Year Fixed
Representative Example
3.85%
5.3% APRC
95%
£499
Product
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
3.85%
Overall cost for comparison
5.3% APRC
Max% LTV
95%
Completion Fee
£499
Shared Ownership 5 Year Fixed
Representative Example
4.15%
5.0% APRC
95%
£0
Product
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
4.15%
Overall cost for comparison
5.0% APRC
Max% LTV
95%
Completion Fee
£0

Variable rate

Product
Initial rate
Overall cost
for comparison
Max % LTV
Completion Fee
Mortgage Repayment
 
2 Year Discount Borrowing into Retirement
Representative Example
2.79%
5.0% APRC
60%
£0
Product
2 Year Discount Borrowing into Retirement
Representative Example
Initial rate
2.79%
Overall cost for comparison
5.0% APRC
Max% LTV
60%
Completion Fee
£0
Term Discount Borrowing Into Retirement
Representative Example
3.09%
3.2% APRC
60%
£0
Product
Term Discount Borrowing Into Retirement
Representative Example
Initial rate
3.09%
Overall cost for comparison
3.2% APRC
Max% LTV
60%
Completion Fee
£0
Second/Holiday Home 3 Year Discount
Representative Example
2.79%
4.5% APRC
80%
£499
Product
Second/Holiday Home 3 Year Discount
Representative Example
Initial rate
2.79%
Overall cost for comparison
4.5% APRC
Max% LTV
80%
Completion Fee
£499
2 Year Discount
Representative Example
3.15%
5.0% APRC
90%
£699
Product
2 Year Discount
Representative Example
Initial rate
3.15%
Overall cost for comparison
5.0% APRC
Max% LTV
90%
Completion Fee
£699
3 Year Discount
Representative Example
3.39%
4.9% APRC
85%
£0
Product
3 Year Discount
Representative Example
Initial rate
3.39%
Overall cost for comparison
4.9% APRC
Max% LTV
85%
Completion Fee
£0