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  • Our new Breathing Space mortgage allows you to better fund those little projects that make your house a home.

    • Buy a home with just a 5% deposit
    • Available to first time buyers and home movers
    • Giving you the opportunity to have lower fixed repayments for the first year and the security of knowing what you're paying each month

    Fees and Charges

    • No higher lending charge
    • As a current concession during the early repayment charge period you can repay up to 10% of the balance each year without the charge applying
    • A Mortgage Account Fee of £265 applies to all mortgages unless stated otherwise.

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

    Lending is subject to status and lending criteria. Borrowers must be 18 or over and a UK resident

    Find out more about our Breathing Space mortgages and what rates are available.

  • 3 year Breathing Space mortgage deals

  • First time buyers

    There's nothing like buying your first home. For people from all walks of life, it's a dream we've been helping to make real.

    View details and start application

  • Home movers

    Moving home is an exciting time and we want to ensure the mortgage aspect is as straightforward as possible so you can focus on the good bits.

    View details and start application

  • Special offersInitial rateProduct feeThis reverts toThe overall cost for comparison isOther information
    For loans of between 75% and 80% of the purchase price or valuation of the property, whichever is lower.

    1.49% until 31 October 2016,

    then

    2.59% until 31 October 2018

    £995Homeowner Variable Rate, currently 3.99%3.7% APRFor loans between £5,000 and £1,000,000.
    Repayment basis only
    For loans of between 80% and 85% of the purchase price or valuation of the property, whichever is lower.

    1.84% until 31 October 2016,

    then

    2.94% until 31 October 2018

    £995Homeowner Variable Rate, currently 3.99%3.8% APRFor loans between £5,000 and £1,000,000.
    Repayment basis only
    For loans of between 85% and 90% of the purchase price or valuation of the property, whichever is lower.

    2.99% until 31 October 2016,

    then

    4.09% until 31 October 2018

    £995Homeowner Variable Rate, currently 3.99%4.1% APRFor loans between £5,000 and £500,000.
    Repayment basis only
    For loans of between 90% and 95% of the purchase price or valuation of the property, whichever is lower.

    3.59% until 31 October 2016,

    then

    4.69% until 31 October 2018

    £995Homeowner Variable Rate currently 3.99%4.3% APRFor loans between £5,000 and £250,000.
    Repayment basis only