- you're applying to borrow more than 90% of the value of the property
- you’re applying for a mortgage with the Help to Buy, shared ownership, Right to Buy or Forces Help to Buy affordable housing schemes
- your mortgage term will take you into, or beyond, normal retirement age.
For these applications, please call us on 0800 30 20 10, Monday to Friday 8am - 6pm, Saturday 8:30am - 4pm.