The amount you could borrow is based on your income and deposit or equity. Use our mortgage calculator to get an idea of how much you could borrow.

Approving a mortgage usually takes between 2 and 6 weeks. The approval time will depend on the lender’s availability, your property’s valuation, and your own circumstances.

A Decision in Principle shows you how much you could borrow before you apply for a mortgage.

It’s usually seen as the first step to buying a property. A Decision in Principle is subject to an assessment and isn’t a guarantee of a mortgage.

How long your Decision in Principle lasts will be decided by your mortgage lender.

They typically last between 60 and 90 days.

To apply for a mortgage, you first need to get a decision in principle. This will tell you how much you can borrow based on your:

• Deposit
• Property value
• Income

Once you've got your decision in principle, you can apply for a mortgage online or by booking a call with a mortgage adviser.

You can give us a call on 0800 169 6333.

Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00.

A mortgage interest rate is the rate used to calculate how much interest you'll pay on your mortgage. The percentage will be added to your monthly payments or paid separately if you have an interest-only mortgage.

An interest-only mortgage is one where you just pay the interest on the mortgage for the term of that mortgage.

You need to have a minimum annual income and a repayment plan to repay the capital at the end of the term. Eligibility criteria applies.

Visit our page on interest-only mortgage for more information.

You can get a personalised illustration by using our tool to find and compare mortgages.

Your personalised illustration will set out the details of all associated rates and fees for a mortgage. This is in the same format for all lenders so you can easily compare mortgages.

Remember to read your personalised mortgage illustration before you choose a mortgage.

You can apply for an interest only mortgage the same way you'd apply for a capital repayment mortgage. The key difference is that your monthly payments are used to pay off only the interest element of the mortgage. This means that you still owe the amount you borrowed at the end of the term. Therefore you need to have a separate repayment plan in place to repay the capital at the end of the term.

You can apply for an interest only mortgage with us. Eligibility criteria applies.