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Found the right home?

We'll help you find the right mortgage and support you through the home buying journey

Buying a home

Buying a home is a significant purchase so getting the right advice and finding the right product is very important. With over 160 years' experience in helping people buy their own home you can be assured you’re in safe hands with us.

Our residential mortgages are available for properties located in Bedfordshire, Buckinghamshire, Cambridgeshire, Essex, Hertfordshire, Norfolk, Northamptonshire and Suffolk. You can find out more about our mortgage eligibility here.

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First steps - Mortgage deposit

Mortgage deposit infographic image

The road to owning your first home starts with the mortgage deposit. Find out how small changes to your spending could help you become a first time buyer sooner than you think

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Buying a home

Vicky Stubbs Buying a home

Our Chief Risk Officer Victoria explains our personal approach to lending and why it’s so important to make sure our borrowers can afford their repayments

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

Our current Fixed Rate Mortgages for buying a home

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
2 Year Fixed Rate 2.09% 4.74% 4.4% APRC Fixed 85% Application fee: £199

Completion fee: £800
3% in year one
2% in year two

A mortgage of £184,206.00 payable over 24 years initially on a fixed rate for 2 years at 2.09% and then on our Standard Variable Rate of 4.74% for the remaining 22 years would require 24 monthly payments of £817.03 and 264 monthly payments of £1,054.83.

The total amount payable would be £298,592.84 made up of the loan amount plus interest (£113,052.84), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.4% APRC representative.

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2 Year Fixed Rate 2.49% 4.74% 4.5% APRC Fixed 90% Application fee: £199

Completion fee: £800
3% in year one
2% in year two

A mortgage of £178,060.00 payable over 28 years initially on a fixed rate for 2 years at 2.49% and then on our Standard Variable Rate of 4.74% for the remaining 26 years would require 24 monthly payments of £739.40 and 312 monthly payments of £947.00.

The total amount payable would be £313,683.60 made up of the loan amount plus interest (£134,324.60), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

Find out more
5 Year Fixed Rate 2.54% 4.74% 3.9% APRC Fixed 80% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £193,695.00 payable over 21 years initially on a fixed rate for 5 years at 2.54% and then on our Standard Variable Rate of 4.74% for the remaining 16 years would require 60 monthly payments of £996.01 and 192 monthly payments of £1,168.13.

The total amount payable would be £284,550.56 made up of the loan amount plus interest (£89,521.56), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 3.9% APRC representative.

Find out more
5 Year Fixed Rate 2.84% 4.74% 4.2% APRC Fixed 85% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £196,848.00 payable over 28 years initially on a fixed rate for 5 years at 2.84% and then on our Standard Variable Rate of 4.74% for the remaining 23 years would require 60 monthly payments of £852.93 and 276 monthly payments of £1,028.82.

The total amount payable would be £335,639.12 made up of the loan amount plus interest (£137,457.12), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.2% APRC representative.

Find out more
5 Year Fixed Rate 3.19% 4.74% 4.3% APRC Fixed 90% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £183,236.00 payable over 27 years initially on a fixed rate for 5 years at 3.19% and then on our Standard Variable Rate of 4.74% for the remaining 22 years would require 60 monthly payments of £847.45 and 264 monthly payments of £981.08.

The total amount payable would be £310,361.12 made up of the loan amount plus interest (£125,791.12), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.

Find out more
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Our current Variable Rate Mortgages for buying a home

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
2 Year Discounted Variable Rate 1.89%
(2.85% discount off our SVR)
4.74% 4.3% APRC Variable 85% Application fee: £199

Completion fee: £800
N/A

A mortgage of £243,768.00 payable over 24 years initially on a discounted variable rate for 2 years at 1.89% and then on our Standard Variable Rate of 4.74% for the remaining 22 years would require 24 monthly payments of £1,056.43 and 264 monthly payments of £1,392.01.

The total amount payable would be £393,393.96 made up of the loan amount plus interest (£148,251.96), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £350.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.

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2 Year Discounted Variable Rate 2.19%
(2.55% discount off our SVR)
4.74% 4.5% APRC Variable 90% Application fee: £199

Completion fee: £800
N/A

A mortgage of £174,835.00 payable over 27 years initially on a discounted variable rate for 2 years at 2.19% and then on our Standard Variable Rate of 4.74% for the remaining 25 years would require 24 monthly payments of £718.17 and 300 monthly payments of £944.01.

The total amount payable would be £300,913.08 made up of the loan amount plus interest (£124,779.08), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

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Large Loan 2 Year Discounted Variable Rate 2.09%
(2.65% discount off our SVR)
4.74% 4.2% APRC Variable 80% Application fee: £499

Completion fee: £1,500
N/A

A mortgage of £1,000,000.00 payable over 18 years initially on a discounted variable rate for 2 years at 2.09% and then on our Standard Variable Rate of 4.74% for the remaining 16 years would require 24 monthly payments of £5,563.54 and 192 monthly payments of £6,747.27.

The total amount payable would be £1,430,259.80 made up of the loan amount plus interest (£427,475.80), an application fee of £499.00, a completion fee of £1,500.00, a valuation fee of £760.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.2% APRC representative.

Find out more
Cambridge Variable Mortgage 4.74% 4.74% 4.9% APRC Variable 80% Application fee: £199

Completion fee: £400
N/A

A mortgage of £165,602.00 payable over 17 years on our Standard Variable Rate of 4.74%  would require 204 monthly payments of £1,185.38

The total amount payable would be £242,291.52 made up of the loan amount plus interest (£75,790.52), an application fee of £199.00, a completion fee of £400.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.9% APRC representative.

Find out more
Cambridge Variable Mortgage 4.74% 4.74% 4.9% APRC Variable 85% Application fee: £199

Completion fee: £400
N/A

A mortgage of £165,602.00 payable over 17 years on our Standard Variable Rate of 4.74%  would require 204 monthly payments of £1,185.38

The total amount payable would be £242,291.52 made up of the loan amount plus interest (£75,790.52), an application fee of £199.00, a completion fee of £400.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.9% APRC representative.

Find out more
Cambridge Variable Mortgage 4.74% 4.74% 4.9% APRC Variable 90% Application fee: £199

Completion fee: £400
N/A

A mortgage of £165,602.00 payable over 17 years on our Standard Variable Rate of 4.74%  would require 204 monthly payments of £1,185.38

The total amount payable would be £242,291.52 made up of the loan amount plus interest (£75,790.52), an application fee of £199.00, a completion fee of £400.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.9% APRC representative.

Find out more
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Our current Low Deposit Mortgages for buying a home

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
Low Deposit 2 Year Fixed Rate 3.64% 4.74% 4.7% APRC Fixed 95% Application fee: £199

Completion fee: £0
3% in year one
2% in year two

A mortgage of £163,237.00 payable over 29 years initially on a fixed rate for 2 years at 3.64% and then on our Standard Variable Rate of 4.74% for the remaining 27 years would require 24 monthly payments of £759.55 and 324 monthly payments of £857.41.

The total amount payable would be £296,229.04 made up of the loan amount plus interest (£132,768.04), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.7% APRC representative.

Find out more
Low Deposit 5 Year Fixed Rate 3.94% 4.74% 4.5% APRC Fixed 95% Application fee: £199

Completion fee: £0

5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £163,237.00 payable over 29 years initially on a fixed rate for 5 years at 3.94% and then on our Standard Variable Rate of 4.74% for the remaining 24 years would require 60 monthly payments of £787.15 and 288 monthly payments of £852.81.

The total amount payable would be £293,037.28 made up of the loan amount plus interest (£129,576.28), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

Find out more
Low Deposit 2 Year Discounted Variable Rate 2.99%
(1.75% discount off our SVR)
4.74% 4.6% APRC Variable 95% Application Fee: £199

Completion Fee: £0
N/A

A mortgage of £163,237.00 payable over 29 years initially on a discounted variable rate for 2 years at 2.99% and then on our Standard Variable Rate of 4.74% for the remaining 27 years would require 24 monthly payments of £701.59 and 324 monthly payments of £853.50.

The total amount payable would be £293,571.16 made up of the loan amount plus interest (£130,110.16), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.6% APRC representative.

Find out more

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