Personal banking > Mortgages > How to apply > 4-step guide 

If you're in a hurry - follow our quick four-step guide to fly through our site!

Step 1: How much can I borrow?

Use our Borrowing calculator to get a reliable indication of how much you could borrow.

Step 2: What mortgage deal can I have?

See Mortgage range.

Step 3: How much will it cost?

Use our Mortgage payments calculator to see how much your loan will cost every month.

Step 4: How do I apply?

Don’t worry if you haven’t found the right place yet. To get a lending decision you don’t need to have the specific property details. However, a lending decision can help you to move quickly – and this can put you in a better position when it comes to negotiating price.

  Start online

It’ll take around 20 minutes to provide your details, and then a mortgage expert will contact you to talk through the rest of the application.

  Call 0800 783 3534

Open from 8am-8pm Monday to Friday and 9am-4pm on Saturday. Speak to a mortgage expert about your individual needs. Calls may be monitored or recorded.

  Visit your local branch

Let one of our qualified mortgage experts guide you through your mortgage application. No appointment needed, and most branches are open on Saturdays.

SMS text alert updates
Get free text updates at key points during your mortgage application.
This is a free service and we will only text you about your recent mortgage application with progress updates. Just give us your mobile phone number when you apply.