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Mortgages done differently

First time buyers

First time buyers

Buying your first home is an exciting time and our mortgages have been designed to help you get started.

  • To help affordability for grown-up offspring wanting to get on the housing ladder, parents are allowed on the mortgage
  • We also consider up to 4 incomes from immediate family
  • Unlike some other lenders, we accept gifted deposits from family (not just parents)
  • Great for first time buyers, we also have low deposit mortgages and shared ownership mortgages
View our mortgages Contact a mortgage advisor
Older borrowers

Older borrowers

Our borrowing in later life solutions are designed to support older customers who are established home-owners with a stable income.

  • We consider mortgages for customers up to the age of 80 at the end of the repayment term
  • We accept private and state pension income, feasible self-employed and employed income, together with some investment income
  • Applicants can access our standard range of mortgage products with deposits from just 5%
  • We also lend on an interest only basis with downsizing as a repayment vehicle in place
  • No age restriction on buy to let mortgages (excluding let to families)
View our mortgages Contact a mortgage advisor
Landlords

Landlords

If you want to invest in property and buy a house to let, you'll need a Buy to Let mortgage. Our Buy to Let mortgages allow landlords to build a portfolio of up to three properties with a total borrowing of £500,000 with the Society.

  • If you wish to let your main residence or a property that you have inherited, our Consumer Buy to Let mortgage may be appropriate for you
  • Our Family Buy to Let mortgage is specifically designed for renting your buy to let property to a family member
  • If you wish to invest in a holiday home or property to take advantage of holiday rental rates, we offer a Holiday Buy to Let mortgage
View our mortgages Contact a mortgage advisor
Self builders and renovators

Self builders and renovators

Our self build mortgages make financing your self build or renovation project simple with funds released in stages.

  • We are one of just a few lenders who will lend to purchase the land (with outline planning permission). The Society will lend up to 85% of land and build costs (max 75% of final value)
  • Our Family Assist Self Build mortgage allows parents to provide the deposit for the mortgage and have it returned on completion
  • Our Advance Self Build mortgage releases funds in advance
  • Our Eco Self Build mortgage rewards investment in energy efficient features
  • Customers can have the mortgage on an interest only basis - this is particularly helpful if living in rented accommodation during the build or if choosing to stay in existing housing with a monthly mortgage payment
  • Pay a lump sum off at the end of the build when you complete a scheme transfer and the Society will waive the early repayment charges. This is particularly helpful for customers who may have savings they had kept aside for contingency for the build or if they have reclaimed VAT at the end of the self build project that they want to use to reduce the mortgage balance
  • At the end of your self build project you can transfer to a standard mortgage with the Society without incurring early repayment charges
View our mortgages Contact a mortgage advisor
Family Assist

Family Assist

Our mortgages feature some great solutions for modern families that combine your family’s financial strength to make the most of your circumstances.

  • To help affordability, parents and children are allowed on the mortgage
  • We also consider up to 4 incomes from immediate family
  • Unlike some other lenders, we accept gifted deposits from family (not just parents)
  • To help budding self builders, parents can provide the deposit for a self build mortgage and have it returned on completion of the build
  • We accept gifted land from immediate family (a garden plot for example)
  • We accept second residential mortgages for immediate families
  • We also offer Buy to Let mortgages for letting to family
View our mortgages Contact a mortgage advisor
IF YOU FAIL TO KEEP UP WITH PAYMENTS ON YOUR MORTGAGE A 'RECEIVER OF RENT' MAY BE APPOINTED AND YOUR RENTAL PROPERTY, OR OTHER PROPERTY USED AS SECURITY, MAY BE REPOSSESSED
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE