We currently offer mortgages up to 95% Loan to value (LTV). Whilst you may be accepted by our Affordability Calculator and Decision in Principle, we may not have a product available to suit you.
The affordability calculator works out how much you might be able to afford to pay back on your mortgage based on your income and outgoings. It is for illustrative purposes only and doesn't provide all the information you need to choose a mortgage.
A quick but detailed check based on your income and outgoings to see how much you could potentially borrow.
At the end you can request a Decision in Principle (DIP). You can do this within 30 days of receiving your calculation.
We will carry out a 'soft' credit check which won't affect your credit score.
If you are furloughed we are unable to offer you a mortgage if your application relies on this furloughed income to pass our affordability check.
For further information take a look at our Frequently Asked Questions.
Need help? Chat to us via Web Chat or call us on 0345 607 9825
We will use the information obtained from the credit check to undertake an automated assessment of your ability to afford the mortgage. Where we assess it is not affordable, your application may be rejected without being manually assessed by the Society. If the information you provide in the Affordability Calculator indicates that we might be able to lend to you, we will then carry out a soft credit check, which means our check won't affect your credit score.
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