We don’t simply enter numbers into a computer to see how much you can borrow. Every application is individual and that's how we treat them. Our dedicated mortgage team look at each case on its own merit that’s why it’s always best to speak to us directly.

Call our extended hours telephone hotline

0845 601 3344

Open 8.30am-8.30pm Mondays to Fridays, from 9am-6pm Saturday and 11am-5pm on Sundays.

The amount we will lend you depends on your ability to repay the loan. We take into account your income and other financial commitments you have. We also consider the amount of the loan required as a percentage of the property’s value.

We use the following income multiples as a guide only.
 

Gross Annual Income*	Sole Applicant	Joint Applicant
Up to £50,000	3.25 times	2.75 times
Up to £75,000	3.75 times	3.25 times
In excess of £75,000	4.50 times	3.50 times

*Gross annual income is defined as any income (including basic salary, bonuses and overtime) which is guaranteed by the employer.

If your income allows, we will usually be able to lend up to 90% (70% for Buy to Let) of the purchase price or valuation of the property, whichever is the lower. Please note that our lending limits may differ for new build properties - contact us for more information.

Please refer to the individual mortgage deals to confirm the amount you can borrow based on the value of the property.

Reason for loan	Amount you can borrow
House Purchase (depending on mortgage deal)	Up to 90% of the property's value
Remortgaging (depending on mortgage deal)	Up to 85% of the property's value
Additional borrowing (depending on mortgage deal)	Up to 90% of the property's value
Buy to Let	Up to 70% of the property's value

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.