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Mortgages

Online Mortgages

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Why do you offer lower mortgage rates online?

As we don't provide advice when you apply for a mortgage online, we're able to offer lower rates on our online only mortgages.

We provide you with the information to enable you to make an informed decision about a mortgage product that is right for you. If you don't feel confident applying for a mortgage by yourself, you can arrange an appointment with one of our mortgage advisers, who could advise you on a product suitable for your needs.

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What are online mortgages?

We offer lower mortgage rates on our online only mortgage products for:

  • Selected residential home purchases up to 90% LTV
  • Selected residential remortgages up to 75% LTV.

If you are confident choosing the right mortgage for you without advice, you could get some of our lowest rates when you apply online.

However, by making your own choice you do not benefit from the protection of us making a recommendation suitable for your needs and you alone are responsible for the choice that you make. This means that you would not be eligible for compensation if the product you choose turns out to be inapproprate for your needs.

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Online mortgage applications are not suitable for everyone

How do I apply for a mortgage?

Getting an Agreement in Principle (AIP) is the first step towards applying for a mortgage. It gives you a personalised indication of how much you could borrow and allows you to see the rates available to you.

Getting an AIP:

  • Doesn't impact your credit score.
  • Takes less than 10 minutes.
  • No obligation to get a mortgage with us.

Once you've reviewed the rates available to you, you can then decide whether to continue to apply online by yourself or make an appointment with a mortgage adviser.

Compare our mortgage rates

View our mortgages, compare rates and see how much you might be able to save using our mortgage rate finder.

Our rate finder tool lets you compare our latest mortgage rates.

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