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Mortgage guides and advice

We’re here to help with your plans

Practical tips to help you understand the home-buying and mortgage process, whether you’re starting out, moving, remortgaging or buying to let.

  • Tips for first-time buyers
  • Guides to moving home and remortgaging
  • How to manage your mortgage with us

Mortgage tips and advice

First-time buyer guides

Start your adventure

Expert tips and guides to help you prepare as you set off on the path towards your first home.

Existing customer guides

Managing your mortgage

Find out how to make overpayments, change mortgage holders, get permission to let and deal with worries about mortgage payments.

Moving home mortgage guides

Tips for your big move

From selling your current home to sorting out the mortgage for your new one, we’ve got some tips and insights to help.

Help to buy mortgages

Get a helping hand when buying a home

Struggling to save a deposit? Help to Buy could suit you – while our Help to Buy ISA offers a bonus if you’re saving for a deposit on your first home.

Remortgage guides

How remortgaging works

Find out why moving your mortgage to us from your current lender could be right for you – and how the remortgaging process works.

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How to buy to let

Practical tips for landlords

Read our tips on how to become a landlord – from choosing a property and mortgage, to understanding your tax liabilities and legal responsibilities to tenants.

Getting a mortgage when you’re self-employed

Verifying your income

Find out how to prepare for a self-employed mortgage application – and see how we can help you.

How to save for a mortgage deposit

Planning to buy a home

Get a bonus of up to £3,000 from the government when you save up for a mortgage deposit with a Help to Buy ISA.

Mortgage costs and fees explained

The price of buying a home

When you’re planning to buy a property, there are various costs you need to prepare for.

Getting a mortgage with us

Use our calculators to see how much you could afford to borrow and get an Agreement in Principle to see if we could lend what you need. Then find out how to prepare for your mortgage appointment.

Mortgage calculators

Work out the kind of mortgage you could afford

Use our mortgage affordability calculators to work out how much you could borrow and what kind of deposit you need for a mortgage.

Agreement in Principle (AiP)

Take the first step to your mortgage with an AiP

Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.?

Mortgage appointment

How to prepare

Find out which documents you’ll need and what you’ll discuss with our mortgage adviser at your appointment.

Need some help?

Chat to us online

Chat to us online if you have a question about applying (we can’t give mortgage advice in web chats).

Call us

Call us1?any time – lines may be closed at off-peak times on bank holidays and during Christmas.

0800 197 1081

Track It

If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.