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  • Can I take additional lending to fund my deposit?

    No, you must not be taking any additional lending to fund your house purchase.
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  • Can I apply for a mortgage if I am on maternity leave?

    Yes, we can base the lending on the salary that you will return on after your maternity leave has ended.
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  • I am a contractor, am I able to apply for a mortgage?

    Yes, as long as the contract you are on is for a minimum of 12 months and has six months remaining at the time of your application.
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  • Is there a minimum income I must earn to be able to apply for a mortgage?

    No, however the mortgage must be affordable, along with your other commitments.
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  • I'm applying for a mortgage, how much can I borrow?

    All mortgage applications are subject to an affordability assessment so what we can lend to you varies between each applicant.
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  • Do you offer mortgages on new build flats?

    Yes but you will need a minimum 25% deposit and the new build flat must have an acceptable guarantee.
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  • I have taken out a mortgage with you, do I have to live in the property?

    Yes, we only offer mortgages for residential purposes.
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  • What is the Bank of England base rate?

    It is the official Bank Rate set by the Bank of England and it affects the interest rates offered by Banks, Building Societies and other financial institutions.
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  • I work on a commission only basis, can I apply for a mortgage?

    If you have been employed on this basis and can supply three years of figures, we may be able to consider an application.
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  • What information do I need for my mortgage appointment?

    When you complete your mortgage application, whether that be over the phone, or in one of our branches, we'll need to gather quite a bit of information from you.
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  • I have an IVA (Individual Voluntary Arrangement), can I apply for a mortgage?

    The IVA (Individual Voluntary Arrangement) must have ended more than six years ago in order for us to consider your application.
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  • What is the mortgage completion date?

    The day when ownership of your property is passed to you and all conditions of the mortgage come into effect.
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  • What is a capital and interest mortgage?

    A capital and interest mortgage is where you make monthly repayments over an agreed number of years to cover both the capital you have borrowed and the interest charged.
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  • I am discharged from bankruptcy, am I eligible for a mortgage?

    Bankruptcy must be discharged for six years for us to consider your application.
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  • What is the maximum age by which my mortgage must be repaid?

    Your mortgage with us must be repaid before you retire, or by your 75th birthday, whichever is sooner and must be a minimum of five years in length.
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  • I have a second job, can I use this income to form part of my mortgage application?

    We will only consider a second job if you have held the position for a minimum of six months.
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  • Can I take a mortgage in just my name if someone else owns part of the property, or is on the deeds?

    No, all parties named on the deeds need to be named on the mortgage.
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  • I am self employed, can I apply for a mortgage?

    Yes we do lend to people who are self-employed.
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  • What can I use as a deposit?

    For your mortgage deposit, you can use your savings, inheritance and equity. In some circumstances, we will accept a gifted deposit.
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  • What is the maximum mortgage amount?

    The maximum loan amount is normally £1,500,000. However, larger loan amounts may be subject to certain loan to value restrictions.
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