Great, here we go.

We just need a few details about you to get started.

Okay, let's find out what you're looking for

Your mortgage can have a long or short fixed rate period.

If you're looking for a variable rate, we don't offer these at the moment.

Getting your head around fixed rates

With a fixed rate, what you pay each month stays the same for a set amount of time.

A fixed rate is good for budgeting your money. And you won’t be affected if the Bank of England changes the base rate.

There are other types of rates you may know about, such as a variable rate. This is where your monthly payment could go up or down. That’s because bank rates can change with the economy. For example, when the Bank of England base rate goes up or down.

We don't offer variable rates right now.

Thinking about your fixed rate

Choosing a shorter or longer fixed rate

With a shorter fixed rate, your mortgage payments will stay the same for up to 5 years.

After that, you can look at moving to a new deal.

With a longer fixed rate, you can relax knowing that your payments will stay the same for up to 10 years. And although you can't switch deals during this time, your mortgage payments won't change if interest rates go up or down.

Let's make sure

With a shorter fixed rate, your mortgage payments will stay the same for a set amount of time.

When that ends, you can move your mortgage to a new deal. Otherwise it will go on to our variable rate.

Let's make sure

With a longer fixed rate, you can relax knowing that your payments will stay the same for up to 10 years.

And although you can't switch deals during this time, your mortgage payments won't change if interest rates go up or down.

When that ends, you can move your mortgage to a new deal. Otherwise it will go on to our variable rate.

Now let's see what matters most to you

With higher monthly payments, you will pay off your mortgage sooner.

With lower monthly payments, you will pay off your mortgage for longer and pay more interest.

Keeping payments lower or paying off sooner

Let's get our heads around this.

By keeping your payments low, you spread the cost of your mortgage over a longer period of time. And although you pay more interest overall, you will be spending less each month.

By paying off your mortgage sooner, it usually works out cheaper overall. But you need to make sure you're happy with higher monthly payments.

Great, so you want to pay it off sooner

Now we need to get an idea of what your new payment could be. We can agree the right amount later when we chat.

Think about:

- your current mortgage payment

- your budget

- the things you do as part of your lifestyle

Paying off more

You might want to make extra payments on top of what you pay each month. It means you’ll pay off your mortgage faster and pay less interest.

Okay, so you want your payments to be lower

Now we need to get an idea of what your new payment could be. We can agree the right amount later when we chat.

Think about:

- your current mortgage payment

- your budget

- the things you do as part of your lifestyle

Paying off more

You might want to make extra payments on top of what you pay each month. It means you’ll pay off your mortgage faster and pay less interest.

Paying off more

You might want to make extra payments on top of what you pay each month. It means you’ll pay off your mortgage faster and pay less interest.

About overpayments

You can pay any extra amount off your mortgage. But anything over 10% each year has an early repayment charge.

Now let's talk about fees

We have mortgages with and without a fee.

Those with a fee may have a lower rate of interest and could save you money over the mortgage term.

We can discuss this with you and decide which is best.

Thanks for letting us know

Paying a fee isn't the obvious choice, but it could save you money in the long run.

We'll check this again with you later, just to be sure.

Paying for your mortgage

There are 3 ways you can do this.

Repayment – the most common choice, where you pay off both the loan and the interest.

Interest only – where you pay off the interest but not any of the amount you borrowed.

Both – where you can pay some as a repayment and some as interest only.

Paying for your mortgage

There are 3 ways you can do this.

Repayment – the most common choice, where you pay off both the loan and the interest.

Interest only – where you pay off the interest but not any of the amount you borrowed.

Both – where you can pay some as a repayment and some as interest only.

Let's make sure

With an interest only mortgage, your payments will stay low. But you need pay back the original amount you borrowed when your mortgage ends.

Anything else?

Yes, one more thing. You’ll need to show us how you plan to pay back your mortgage when it ends.

Almost there. Let's think about the future

We want to help find a deal that's right for you now and in the years ahead.

These next questions will give us an idea of what to focus on in your appointment.

Thinking about moving

Okay, now let's think about money coming in

Maybe you're expecting a job promotion or a large pay rise.

Now what about less money coming in

This could be working fewer hours or a planned break from your job.

Now let's think about money going out

This could be paying off a loan or credit card, or having a child move out of home

How about spending more

This could be taking out a new loan, having a child, or starting to pay school fees.

That's great, thanks

We’re always looking to make the way you apply for a mortgage easier.

To help with this, please tell us what you thought of the questions you've just answered.

I could easily understand the questions

Let's get you booked in

Need any extra support in your appointment? Something specific you want to talk about?