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Terms and Conditions (PDF)
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.
Download the summary box for an overview of all the key credit card features.
Summary box (PDF)
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.
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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.
Buying a home is an exciting time, and it can also be an expensive time - especially in the first year. This is the time you could do with a little extra money to redecorate and buy furniture.
We're launching our new Breathing Space mortgage for first time buyers and home movers, to give you the freedom to make your house a home. We want to ease the pressure of your move and provide a more enjoyable experience. By giving you the opportunity to have lower fixed repayments for the first year and the security of knowing what you're paying each month.
This is followed by higher fixed repayments for the remaining two years. Early repayments charges apply throughout the fixed period.
Lending is subject to status and lending criteria. Borrowers must be 18 or over and a UK resident.
1.49% until 31 October 2016,
2.59% until 31 October 2018
1.84% until 31 October 2016,
2.94% until 31 October 2018
2.99% until 31 October 2016,
4.09% until 31 October 2018
3.59% until 31 October 2016,
4.69% until 31 October 2018