Mortgage product changes - We are now accepting mortgage applications for residential purchase and remortgages to up to 90% loan to value (LTV) in our operating area and up to 85% elsewhere.

Get help to buy your new home
We support the Government's Help to Buy: Equity Loan scheme which aims to help both first time buyers and home movers buy a new build home.
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Book a telephone appointment
Please call your local branch to book an appointment. Unfortunately we are unable to accept face-to-face appointments at this time, however you can book a call with one of our mortgage advisors.

Help to Buy

With a Help to Buy: Equity Loan, you could buy a brand-new house sooner than you think.

The scheme is available on selected new build properties for both first time buyers and home movers.

  • You only need a 5% deposit
  • The Government lends you up to 20% of the value of the property (15% in Scotland)
  • The loan is interest-free for five years

Help to Buy: Equity Loan

When you sell your property, or choose to repay some or all of the equity loan, the amount you have to pay back will be based on the market value of your property at that time.

For more information please visit helptobuy.gov.uk/equity-loan or mygov.scot/help-to-buy for properties in Scotland.

FAQs

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.