by submitting the enquiry form below or giving us a call.
Step 1
Request an account via online banking by selecting 'log in' at the top of this page. Alternatively, please download and complete one of the application forms below.
If you would like to speak to a member of our team, submit the enquiry form at the bottom of the page or give us a call.
Step 2
We will be in touch to gather more information, conduct some checks and verify your identity.
Step 3
Your account will then be opened, ready for you to transfer in your savings.
This process will take approximately a week and we'll be in touch along the way to guide you through the steps.
Alternatively, please visit our ‘Open an account‘ page to download an application form.
If you would like to speak to one of our friendly Account Management team, please complete the enquiry form below or give us a call.
You can also call us on 0115 921 7260 to begin setting up your account.
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How much can I borrow?
For personal mortgages our maximum mortgage is 4.5x your gross annual income subject to affordability. Buy-to-lets are assessed on the rent achieved from the property.
Loan-to-property-value
The ratio between the sum of money lent on a mortgage agreement and the value of the security property as confirmed by the Bank.
Loan-to-share-value
The ratio between the sum of money lent on a mortgage agreement and the value of the share of the security property owned by the customer, as confirmed by the Bank.
APRC
‘APRC’ stands for ‘Annual Percentage Rate of Charge’. Mortgage Lenders now have to include any mortgage related fees, redemption charges and valuation fees as part of the annual interest calculation when quoting an interest rate and this is referred to as the APRC.
Affordability
A comprehensive assessment of income and expenditure both currently and in the foreseeable future.
Loan-to-value
The ratio between the sum of money lent on a mortgage agreement and the value of the security property as confirmed by the Bank.