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Sunday 10am - 4pm


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Call us free on 0800 121 8899

We’re open 8am to 8pm Monday to Friday, 9am to 5pm on Saturdays, and 10am to 4pm on Sundays.

Set aside enough time – it can take 45 minutes to 1.5 hours.

If you call us about getting a mortgage, remortgaging, switching or borrowing more, then ‐ like all lenders ‐ we’ll go through detailed questions to assess what you can afford. This covers what you earn and your credit commitments, so make sure you have all these details to hand.

One of our advisors will explain our mortgages and help find the right one.

We don’t have advisors in all our branches, but if you call us on 0800 121 6263, we’ll be happy to help.  We’ll recommend a Coventry mortgage that suits you and help you apply. 

We don't charge anything for our advice but remember - we only offer our own mortgages. When you call us, you’ll need some information to hand about you and the property you’re interested in. Click here for full details of what you’ll need.

Find a financial advisor

A financial advisor (they can also be called a ‘mortgage broker’) will do a lot of the work for you by finding out what you need and what you’re eligible for, then scouring the market to find you the most suitable mortgage. Before you use a financial advisor, check:

  • How much do they charge?

Some will charge you a fee, some earn commission from the mortgage lender – and some do both.

  • Are they qualified?

The most common qualification is CeMAP (Certificate in Mortgage Advice and Practice).

  • How do they work?

Financial advisors work in different ways:

  • Some search the ‘whole‐of‐market’ – so they’ll be able to show you a wide range of mortgages and select the right one for you.

  • Some work with a number of lenders but not all – you’ll still be shown a good selection of mortgages but be aware that they’re not able to select from the whole of the market.

Some lenders only make certain mortgages available to ‘direct’ customers, not to customers who’ve come to them through a financial advisor – so you might want to do some research of your own.

To find a financial advisor, you may want to search www.unbiased.co.uk or www.vouchedfor.co.uk

What you’ll need to have to hand:

Whether you call us or speak to a financial advisor, this is the information you’ll need to provide:

About you

  • Full name
  • Current address, and addresses for the previous 3 years
  • Date of birth

We’ll ask for evidence that proves who you are and where you live, for example, a valid UK passport or UK photocard driving licence, along with a UK‐based utility bill.

About the property

  • Purchase price / value

If you already have a mortgage:

  • How much you owe
  • What the monthly repayments are
  • Who the mortgage lender is

About your earnings

We’ll need:

  • Employed? Payslips for the last three months

  • Self‐employed? Directors with more than a 20% share require an Accountant's certificate covering the most recent year's accounting period. Sole Traders/partnerships require the latest years HMRC tax calculation and latest years HMRC Tax Year Overview.
  • Contractor?  Copies of contracts demonstrating continuous employment in contracting over the last 2 years. An employer’s reference giving full details of the current contract. There must be a minimum of 6 months remaining on the existing contract. If there is less than 6 months remaining, this is only acceptable if the employer confirms in writing that the contract will be renewed for a minimum of a further 6 months or provides a copy of the new contract.

We’ll ask you for details of all your income including:

  • Gross annual income
  • Gross annual bonus
  • Overtime, shift allowances and commission
  • Other allowances
  • Gross dividend income for the last two years
  • Gross share of net profits
  • Pension income – private and state
  • Rental income from other properties

About any credit commitments you have

  • Credit and store cards – including the provider, your credit limit and how much you currently owe
  • Other mortgages, both residential and Buy to Let – with outstanding balances and current monthly mortgage payments
  • Ground rent and service charges
  • Secured and unsecured personal loans, including student loans
  • Hire purchase agreements and lease payments
  • Home insurance (building and contents)
  • Life assurance
  • Pension contributions
  • Nursery/childminding fees
  • School fees
  • Maintenance payments

Try our calculators

To find out what you could borrow, try our mortgage affordability calculator

And you can work out how much your mortgage payments might be every month with our repayment calculator

Existing members

Whether you'd like to borrow more, move home or change your current mortgage, we're here to help.

Help and guides

We’ve got lots of information to help you understand more about our mortgages and lending criteria.

Other information

Read some of the other important information you should know about having a mortgage with us.