You must be at least 18 years old to apply. Your mortgage term must end before you reach 75. If your mortgage term continues past your state or planned retirement age, only your retirement income will be considered.
You can apply for a mortgage on your own or a joint mortgage with a partner or friends
How to apply
We need to talk you through your mortgage application, but you can save time by starting the process online. It'll take about 20 minutes, and then one of our mortgage experts will call you back at a time to suit you to complete the process. Or you can call us and speak to an advisor directly, or book an appointment to see one of our advisors at your nearest branch.
You'll need to have the following details to hand:
Your last three months' payslips
Your last three months' bank statements if you want any other income to be considered (for example rental or investments) and as a reminder of your outgoings
If you already have an existing mortgage elsewhere, your last year's mortgage statements
Your address for the last three years
Details of any loans you currently hold, including student loans and car payments