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Standard Mortgages

Our Standard mortgages are available for those who do not have unusual or complex circumstances. This includes older applicants who meet our later life criteria. 

Our Standard mortgages are available for first time buyers and applicants looking to purchase a new home. They are also available for those looking to remortgage if they have owned the property for at least six months. 

They are not available for applicants who do not live in the property, or existing members who are looking to switch their mortgage or borrow more. 

These product are not suitable where any of the applicants have had previous missed payments, their income is complex, retirement interest only, over age 85 at the end of the term (age 75 for interest only loans with a downsizing Mortgage Repayment Vehicle) or their property is not built with standard construction. 

Standard mortgages will have a lower interest rate as they do not need to consider unusual or complex circumstances, property or borrower types.