We’re currently reviewing our interest rates following the decrease in the Bank of England base rate to 4.00% on Thursday 7 August. We’ll provide more information on any changes as soon as we can.
We’ve signed up to the government’s Mortgage Charter
The UK’s largest mortgage lenders and the Financial Conduct Authority have agreed a set of universal standards with the Chancellor to help borrowers who may be worried about increased mortgage payments.
Remortgage
Key information
- Loans from £30,000 up to £1,000,000
- Free legals and valuation (or £250 cashback)
Residential Mortgages
Key information
- Loans from £30,000 up to £1,000,000
- Up to 95% Loan to Value
- Guarantor Mortgages are available
Self-Build and Custom-Build
Key information
- Loans from £30,000 up to £1,000,000
- Staged funding arrangements to meet your requirements
- No bridging loan required
Holiday Let Mortgages
Key information
- Loans from £50,000 up to £350,000
- Available for new and existing residential holiday lets
- Mortgages available from 5 years to 40 years
Retirement Interest Only
Key information
- Open to applicants age 55 and over
- No maximum age
- Capital is only repaid on sale of the property
Entrepreneurs
Key information
- Loans from £30,000 up to £1,000,000
- We'll consider your business’s performance and potential
- All income considered when calculating affordability
Professional Mortgages
Key information
- Loans from £50,000 to £1,000,000
- Borrow up to 95% of the purchase price or valuation – whichever is lower
- Open to applicants age 21 and over
Guarantor Mortgages
Key information
- Loans from £50,000 to £300,000
- For buyers who may not have sufficient income in their own right to get a mortgage in their name (including students)
- Up to 90% Loan to Value
Helping people buy properties in Scotland since 1848
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We're here to help
You can visit us in our Relationship Centres, or call us on 0333 207 4007. Our lines are open 9am - 5pm Monday to Friday (10am - 5pm Wednesday). Calls may be recorded and/or monitored.