Mortgages

Our fixed-rate mortgages give you the security of a set monthly repayment for a specific period, regardless of how interest rates may perform.

• The interest rate stays the same for a set period of time
• Your payments won't increase during your fixed period
• Can help you budget and plan ahead

Our tracker mortgages reflect the Bank of England Base Rate and as the Base Rate rises and falls your tracker will track these changes, so your repayments could rise or fall.

• Your mortgage rate will reflect the Bank of England Base Rate
• If the Bank of England Base Rate increases then your monthly payments will increase
• Provides you with the flexibility to follow the Bank of England Base Rate

Our Discount Rate mortgage gives you a discount off our Standard Variable Rate (SVR). The discount period is set a specific period of time and payments will vary as and when we make a change to our SVR.

• Offers a Discount from the lenders Standard Variable Rate (SVR)
• At the end of the Discounted period the interest rate will generally revert to Standard Variable Rate - this will have a higher rate of interest
• Variable Rate product over a set period of time

Our self-employed mortgage range gives you the ability to obtain a mortgage even when you have been trading for only a limited time. We look at each case individually as we know that not everyone has the same needs.

We try to make applying for a mortgage with us as simple as possible and only request:

• One Year’s Account
• Or an SA302 and corresponding tax year overview form

We are committed to helping people in the North East make the first move onto the property ladder, move home or simply save a bit of cash through a remortgage.

• Designed to support our heartland which includes the North East and Cumbria
• Postcode areas: NE, SR, DH, TD15, TD12, DL, TS, CA1 - 11

Are you looking for a mortgage that is simple, straightforward, doesn't include extra fees and you only pay for the monthly payments on the mortgage you've signed up for?

• Free standard property valuation (up to £500,000)
• No product fees
• Free Legal fees including, land registry fees, land registry priority search, bankruptcy searches, property search (such as Local Authority, water and drainage fees) and VAT. (excluding stamp duty and non standard conveyancing work)