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Call us 0800 121 8899

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Free call from mobiles and landlines

Savings enquiries:
Monday to Friday 9am-6pm
Saturday 9am-5pm
Sunday 10am-4pm
Bank holidays – closed 

Mortgages enquiries:
Monday to Friday 9am-6pm
Saturday 9am-5pm
Sunday - closed
Bank holidays – closed 

Easter opening hours - our branches and Customer Service Centre are closed Friday 10 April, Sunday 12 April and Monday 13 April.

All enquiries 0800 121 8899

Call costs explained

We understand you might be worried during this unusual time. We’re here to help and support you. Most of our services are available online.  We’re trying to keep our branches and phone lines open for those who really need us. It’s essential that you don’t visit a branch unless it’s absolutely necessary , and please leave our phone lines free for those in greatest need of help.

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Maintance Update - We’re giving our system a bit of a check up tonight from 11pm for a few hours. While we do that, our Online Services, password set-up service and savings account opening might not be available. We’ll be back up and running by the morning.

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 saved 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
  • Reserve your mortgage offer for up to six months
  • UK-based advisors

Which? Recommended

We're delighted to be a Which? Recommended Provider for mortgages - one of only 3 providers to receive this endorsement.
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 10% 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.