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Financial considerations of home ownership

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

Helping you ensure the numbers add up

Buying a home is exciting, especially so if you’re a first-time buyer. The knowledge that you’re about to have your own space, to decorate as you like and live in as you choose. It’s another major first on your journey through life.

However, the costs of buying a house can be surprising if you don’t know what to expect – there can be costs that you hadn’t considered. So we’ve listed some of these here to help you prepare, and enjoy the experience.

Couple discussing credit score

How your credit score affects you

A simple guide helping you understand your credit score, what affects it, how you can improve it and why it matters.

Find out more on how your credit score affects you

Couple discussing their mortgage amount

How much can I borrow for a mortgage?

Showing you the factors to consider when you’re looking at the size of mortgage you could afford.

Find out more on how much you can borrow for a mortgage

Happy family

What mortgage can I afford?

Don’t overstretch yourself. Look at the factors that influence how much you can afford and what to watch out for.

Find out more on what mortagage you can afford

Couple moving into new home

How much does it cost to move house?

Make sure you’re aware of all the costs of moving house. From Land Taxation to life insurance, these costs can really add up – plan ahead and avoid pain.

Find out more on how much it costs to move house

New mother with child

How a change in circumstances can affect your mortgage repayments

What to do if your circumstances change, and how these changes can affect your ability to repay your mortgage.

Find out moreon how a change in circumstances can affect your mortgage repayments

Tools and guides

First time buyer tools and guides

We’re here to help make your first time with mortgages easier by helping you make sense of it all.

Understanding mortgage jargon

It can be a challenge to understand mortgage-related terminology, so we’ve provided a glossary of key terms and their definitions to help you bust that jargon.

Self employed mortgage considerations

When you’re self-employed it can be difficult to get a mortgage. We offer tips on how to improve your chances.

Helping you through the mortgage process

We’ve created a range of tools and guides to help you understand the mortgage process.

Buy-to-let mortgages

If you’re thinking of buying a property as an investment there are a few important things you need to be aware of.

Your next steps

Give us a call

  • If you've got any questions, get in touch.

    Mortgage application enquiries

    0800 022 4313

    Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm


    Existing mortgage servicing enquiries

    0800 121 4203

    Mon-Fri 8am-5pm

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Our mortgage products and rates

Top Mortgage questions

All frequently asked questions

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