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Call us 0800 121 8899

Customer Service Centre

Opening hours

Monday to Friday 8am-7pm
Saturday 9am-2pm
Sunday closed
Closed on bank holidays 

Free call from mobiles and landlines.

All enquiries 0800 121 8899

Call costs explained

Buying your first home?

Enter a value between £1 and £99,999,999
Enter a value between £1 and £1,000,000 Enter a value between £1 and £250,000 Enter a value between £25,001 - £1,000,000 The mortgage amount can not exceed the property value

Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying your first home

If you’ve got a deposit of 5% or more, we’re ready to help you buy your first home.

It doesn’t have to be daunting. Read our guide to see what’s involved and use our calculators to find out how much you could borrow.

Why choose us?

  • Fixed or variable mortgages to suit you
  • A range of Interest-only and repayment products available
  • Reserve your mortgage offer for up to six months
  • UK-based advisors

A mortgage provider you can trust

We're a Which? Recommended Provider (again!).
Which? Recommended Provider for mortgages

First home - help

How much can I borrow?

It depends - we'll assess what you can afford. To get an idea, try our affordability calculator.

How much deposit do I need?

A minimum of 5% of the purchase price.

How will I know which mortgage is right for me?

Talk to one of our advisors or a financial advisor...

Read more

Do you do a 'Help to Buy' mortgage and/or a 'Help to Buy' ISA?

Not at the moment...

Read more

Guide for first time buyers

From finding a mortgage to dealing with solicitors and completing, we've answered your questions.

Read our guide

Peace of mind

Insurance policies protect you if the worst happens to your property or if personal changes affect your ability to pay your mortgage.

Protect your home and your family with the right insurance cover.

How much can I borrow? Try our affordability calculator

Find out how much you could borrow with one of our mortgages.
It will take about 10 minutes to complete and you’ll need the following information:


Your income details (regular salary/wages, bonuses, overtime, allowance).


Any credit commitments you have (loans/student loans, pension payments, credit and store cards, family commitments; school fees, child maintenance, child care).

The calculator is not an offer to lend and is for new purchase and re-mortgage applications only.

If you are an existing customer who is looking to make a change to your mortgage, such as borrowing more, give us a call on 0800 121 8899 and we'll let you know how much you could borrow.



Ready to get started? Choose the number of applicants below

How to apply

Plan your purchase

Your mortgage payment is just one of the expenses to consider when you're planning to buy a property.

What other costs should you budget for? Find out the answer to this and other common questions in our guide for first time buyers.