Mortgages & Loans
Lending is the part of banking where the numbers matter most, so every product on this page is presented as a schedule of what you pay, when you pay it, and what happens if a month goes wrong.
Mortgages
Borrowing secured against a home, with a choice between a rate that is fixed for an agreed period and one that tracks the base rate. The application sets out the valuation requirement, the legal costs and the early-repayment charge before anything is signed.
Personal loans
A fixed amount paid into your account, repaid over an agreed term at a fixed rate. Your monthly figure never moves, and the total payable is shown next to the amount you are asking for so the real cost of a longer term is obvious.
Car finance
Hire purchase and personal contract hire for a vehicle you are buying outright or using for a set number of years. The mileage cap, the condition standard and the end-of-term options are part of the quote, not the small print.
Affordability, not guesswork
Every application is assessed against your declared income and outgoings, and a decision states the reason for the outcome. If a figure would put you under pressure, we would rather say so at the start.
Get an agreement in principle for a mortgage, or a quote for a loan, without a hard credit search until you are ready.