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Our mortgages explained

Looking for a mortgage but not sure which product is right for you? We thought you might like some help.
Fixed rate mortgages
Know exactly how much you're paying each month for a set period with a fixed rate mortgage. We offer a range of fixed rate periods to choose from, and also the option of additional borrowing if you have a Mortgage Current Account Reserve.
Tracker mortgages
If you're after value and flexibility, our lifetime tracker could be just right, tracking Barclays Bank Base Rate for the entire mortgage period.
Offset mortgages
You could either reduce the life of your mortgage, or reduce your monthly payments with our offset mortgage. You can offset your current account and savings against your mortgage and only pay interest on the difference.
First-time buyer mortgages
Make the most of the extra benefits on offer with our exclusive first-time buyer mortgages. Fixed to help you get on the property ladder with the ability to borrow up to 85% of the value of your new home, this mortgage should help with your budgeting.
Buy to Let mortgages
Owning investment properties has never been easier with our range of Buy to Let mortgages. Choose from interest only and/or capital repayment, fixed rate or tracker deals, and borrow up to 60% loan to value on selected products.
Call us on:
0800 316 5500*

for new mortgages & additional borrowing

0800 022 4022**

for existing mortgage queries

Useful links

Take a look at the different benefits and rates our mortgages offer.
Link to the Offset Mortgage Calculator

Link to the Mortgage Calculator

Link to the Mortgage Glossary

Awards we've won
Woolwich mortgage awards