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We’re the world’s largest building society. Run for the benefit of our members. Being a building society means that we’re free to reinvest our profits to improve the products and services we offer.
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Find a mortgage you feel at home with
We know it can be hard to save up enough for a new home, so we created our Save to Buy and Help to Buy mortgage ranges with affordability in mind. Save to Buy mortgages offer fixed rate 5% deposit mortgages and 10% deposit tracker mortgages, plus a cashback offer for customers who've been saving with us. If you're looking to use a Help to Buy equity loan as part of your mortgage deposit, then a Help to Buy mortgage could be right for you.
Save to Buy mortgages are low deposit* mortgages we created especially to help First Time Buyers and home movers to be able to afford a new home.
Eligibility for Save to Buy mortgages
*You can have a deposit as low as 5% on a Save to Buy fixed rate mortgage, or 10% on a tracker mortgage. Mortgages are subject to underwriting and criteria, so we can't guarantee a Save to Buy mortgage if you have a Help to Buy: ISA, Save to Buy ISA or Save to Buy savings account. The maximum Save to Buy mortgage amount is £500,000 for a mortgage with an LTV (Loan to Value) of 85.01% and£350,000 for a mortgage with an LTV of 95%.
We no longer offer Save to Buy ISA or Save to Buy savings accounts to new applicants.
But if you already have one of these accounts (and have held it for at least 3 months), you can still apply for a Save to Buy mortgage.
When your Save to Buy mortgage completes, you may be eligible for a cashback reward of up to £1,000. The reward amount depends on your savings balance at the time of your mortgage application. Cashback terms and conditions.
When you're ready to apply for a Save to Buy mortgage with us, you'll have the choice of applying in branch or over the phone. To make your application appointment, call us on 0800 30 20 10 Monday to Friday 8am-8pm, or Saturday 9am-5pm. It's not currently possible to apply online or through an intermediary for a Save to Buy mortgage.
If you have a Help to Buy equity loan and are ready to apply for a mortgage, our range of Help to Buy mortgages may be just what you're looking for. We created these mortgage rates for home purchasers who'll be using a Help to Buy equity loan as part of their deposit.
The government scheme that can provide extra money towards a deposit for a new home.
When you have a Help to Buy equity loan and you're ready to apply for a mortgage with us, call us on 0800 30 20 10 (Mon-Fri 8am-8pm, Sat 9am-5pm), or visit your local branch to make your appointment. It's not currently possible to apply online for a Help to Buy mortgage.
YOUR MORTGAGE IS SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our mortgage offers may be withdrawn at any time and without notice.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.