- First Time Buyers
- Re-mortgages
- Free Mortgage Advice
- No obligation to apply
Our mortgages, simply explained
At the moment, we offer variable rate mortgages. These include mortgages for people buying through Shared Equity and LIFT schemes.
If you’re not sure what a variable rate mortgage means, or whether it’s right for you, that’s something we can talk through.
A member’s mortgage experience
Sharon arranged her mortgage with us at a time when interest rates were rising quickly. In this video, she talks about how valuable it was to have someone she could speak to and how supported she felt throughout the process.
She shares how there was no pressure to take a particular product, and how the focus was on finding what was right for her circumstances. She also reflects on the importance of having clear explanations and real conversations when making a significant financial decision.
Talk it through first
You don’t need to know everything about mortgages before you get in touch. Most people don’t, and that’s fine.
Our mortgage adviser is here to listen, answer questions, and explain things clearly. There’s no charge and no pressure to go ahead. If now isn’t the right time, we’ll say so.
Why members choose us
We’re a credit union, so we work a bit differently from banks.
We’re owned by our members
Mortgage decisions are made here, not by an automated system
We consider your full circumstances as part of our assessment process.
We focus on affordability over the long term
Our aim isn’t to rush you into a mortgage. It’s to help you make a decision you’re comfortable with.
Different situations, same support
Buying your first home
We’ll guide you through the process and explain what to expect at each step.
Shared Equity or LIFT
If you’re buying through an affordable housing scheme, we can help you understand how the mortgage fits in.
Moving home
If you already own a home and are planning a move, we can talk through your options.
Thinking of switching
If you’re considering moving your mortgage to us, our adviser can explain how that works.
Important Information
Our mortgage products are subject to availability and may be withdrawn at any time. Early repayment charges may apply, and there may be other charges or fees depending on your mortgage. All applications are assessed under our standard lending criteria and are subject to status. Your home may be repossessed if you do not keep up repayments on your mortgage.