Find out how to apply
We'll need a few details to get you to the right application process.
You are here:
Your property could be repossessed if you don't keep up your mortgage repayments.
Ready to switch to a new deal?
If it's time to switch, take a look through our broad range of deals and see what's best for you.
Switching to a new deal might be right for you if:
- You want to secure a new deal before your current deal ends
- You're not on a fixed rate deal
You can call us on 03450 50 50 75 to get a list of our products or book an appointment. You can also use our online system to arrange an advised appointment.
Please check our Help and Contact page for our opening times.
Switch to a new deal
Want to move your mortgage with us?
If you’ve got a mortgage with us already, you can move your mortgage deal to your new property.
Moving your mortgage might be right for you if you
- Want to keep your current mortgage deal
- Need to borrow more
To find out more about your options you can either call us on 03450 50 50 75 or use our online system to arrange an advised appointment.
Please check our Help and Contact page for our opening times.
Book an appointment online
Want to borrow more?
If you're an existing mortgage customer you may be able to borrow more money against your property.
Use our affordability calculator ![]()
To find out more about your options you can either call us on 03450 50 50 75 or use our online system to arrange an advised appointment.
Please check our Help and Contact page for our opening times.
Book an appointment online
Need to make any other changes?
You can also make a few other changes to your mortgage.
You may have the option to
- Change the names on your mortgage
- Amend your mortgage term
- Change the way you repay your mortgage
To find out more about your options you can call us on 03450 50 50 75.
Please check our Help and Contact page for our opening times.
If you apply for a residential mortgage online you won't receive advice from us. You'll need to make your own choice about which mortgage is suitable for you. This means we won't assess the suitability of the mortgage to your needs and circumstances.
If you’d prefer to get some advice, you can make an appointment to speak to one of our qualified mortgage advisers. They’ll advise you on which mortgage is suitable for you based on your needs and circumstances.
Mortgage application steps
Step 1
Have your details ready
- Your salary and employment information
- Your current financial commitments
Step 2
Get a Decision in Principle (DIP)
We use your data to create your DIP, so that you know how much we could lend you over what term. Don’t worry, these checks won’t affect your credit score at this stage.
Step 3
Apply for a mortgage
You’re ready to complete the last few steps to submit your mortgage application.
Apply online without advice
To apply online, read through the following check list. If you meet all the points on the list, you can click 'I agree, apply online' to continue to the next step.
You can only apply online if:
- This will be your only mortgage
- You're applying for a standard residential mortgage (e.g. not buying through Shared Ownership)
- You want to apply for a repayment mortgage with Capital and interest payments
- You're not currently retired or planning to retire during the term of the new mortgage
- You're only declaring one job per person on your application
- You've been with your current employer for at least six months
- You're not self-employed or on a fixed term or temporary contract
- There’s no active County Court Judgment on your credit file
If you don’t meet the above requirements, for applying online, you can speak to our mortgage advisers.
Please read the documents and confirm you agree before applying online
To apply online, you must confirm that you’re happy to continue without advice and that you’ve read and agree with Our Mortgage Services and Costs PDF and Important Mortgage Information.
Speak to a mortgage adviser
If you need help or support with an existing application, call us on 03450 50 50 62.
If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the button below.
Book an appointment onlineIf you apply for a residential mortgage online you won't receive advice from us. You'll need to make your own choice about which mortgage is suitable for you. This means we won't assess the suitability of the mortgage to your needs and circumstances.
If you’d prefer to get some advice, you can make an appointment to speak to one of our qualified mortgage advisers. They’ll advise you on which mortgage is suitable for you based on your needs and circumstances.
Apply online without advice
To apply online, read through the following check list. If you meet all the points on the list, you can click 'I agree, apply online' to continue to the next step.
What you’ll need:
- Your salary and employment information
- Any existing mortgage details
- Your current financial commitments
You can only apply online if:
- You’re remortgaging your main residence which is also your main contact address
- This will be your only mortgage
- You’re applying for a standard residential mortgage (e.g. not bought through Shared Ownership)
- You want to apply for a repayment mortgage with capital and interest payments
- You’re not currently retired or planning to retire during the term of the new mortgage
- You're only declaring one job per applicant
- You've been with your current employer for at least six months
- You’re not self-employed or on a fixed term or temporary contract
- There’s no active County Court Judgment on your credit file
If you don’t meet the above requirements, for applying online, you can speak to our mortgage advisers.
What to expect when applying online
Step 1
Find your next mortgage
Look through our mortgage options to find out what your monthly payment could be. While you do that, we'll collect some basic details about your current mortgage, your home, and how much you'd like to borrow.
Step 2
Check what you could borrow
We use your data to create your Decision in Principle, so that you know how much we could lend you over what term. Don’t worry, these checks won’t affect your credit score at this stage.
Step 3
Apply for your remortgage
You’re ready to complete the last few steps to submit your mortgage application.
Please read the documents and confirm you agree before applying online
To apply online, you must confirm that you’re happy to continue without advice and that you’ve read and agree with Our Mortgage Services and Costs PDF and Important Mortgage Information.
Speak to a mortgage adviser
If you need help or support with an existing application, call us on 03450 50 50 62.
If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the button below.
Book an appointment onlineFor the time being, you won't be able to apply for a mortgage online. You can still book a non-advised appointment where our Buy to Let Specialist will help you with your mortgage application.
Speak to a Buy to Let Specialist
If you need help or support with an existing application, call us on 03450 50 50 62.
If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the button below.
Book an appointment online
