Mortgages

A mortgage for every stage of independent life.

Buying, remortgaging, raising capital or building a portfolio — assessed on how you actually earn, with whole-of-market choice.

Buying & refinancing

Buy your first home on your day rate, with a deposit from 5%.

Escape the SVR and refinance on your contract income.

Release equity or consolidate debt against your home.

Investment

Assessed on rental yield and the 125%/145% stress test.

Keep and let your current home while buying a new one to live in.

Hold property in a company to shelter rent from Section 24.

Schemes & low deposit

95% mortgages and the Mortgage Guarantee (Freedom to Buy) scheme.

Buy a share from 10% and staircase up over time.

Use your council-tenancy discount in place of a deposit.

Specialist & commercial

Fast, short-term lending for purchases, auctions and refurbishment.

Premises, investment units and mixed-use property.

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