• How much can I borrow?

    Get an estimate of the amount you could borrow and the mortgages we offer.

  • mq test
    Applicant 1
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    Applicant 2

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    Your income must be above £1000.

    Both incomes must be above £1000.

    To continue, please enter an annual income for at least one applicant.

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    To continue, please enter your property value using only numbers.
    To continue, please enter your deposit using only numbers.
  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

  • Affording a mortgage

    To get an idea of what you can afford to pay out each month on a mortgage, add up your monthly outgoings, e.g. any loans you are currently paying off, utility bills, food, travel expenses, and take the total away from your monthly income. You can use our mortgage calculator to work out what we may be able to lend you and how much your monthly payments could be.

    Deposits & loan to value

    Mortgage lenders assess the amount you want to borrow against the value of a property. This is called loan to value (LTV). Most mortgages require a deposit of at least 5% of a property’s value, which is a LTV of 95%. The average deposit is usually around 20% to 25% of a property’s value which is a LTV of 75% to 80%. You’re likely to get a mortgage deal with a lower interest rate if the LTV is under 60%.

    Mortgage repayments

    The amount you pay back each month will depend on:

    • the amount you are borrowing
    • the mortgage interest rate
    • the type of mortgage, e.g. repayment or interest only
    • the term of the mortgage

    You can get an idea of what the repayments could be by using our mortgage calculator

    Mortgage fees

    When taking out a mortgage, you should factor in any fees that may be charged for arranging the mortgage and for a property valuation.

    For facts and figures on key home buying costs view our infographic on the cost of buying a home in Britain

    For further information, please read our Homebuyer Guide

  • How to apply

    Start your product transfer online.

    Subject to status and lending criteria

    Already know the deal you want?

    Call us on 0800 056 1088

    Select option 2, option 2, option 3 followed by option 2.

    Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

    Need a little help to decide?

    Apply in branch

    Find out what to take along

    Need to discuss your options?

    We can call you

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