MORTGAGE
LENDING FOR
REAL LIFE
Real Life Lending means…
Everyone deserves a chance to buy the home they want. That’s why we offer specialist mortgages that suit individual circumstances. It's called Real Life Lending.
You get a mortgage that works for you. Because we know one thing doesn’t work for everyone. Our mortgage lending fits your circumstances, not the other way round.
If you have a mortgage with us, here are all the ways we can help.
Supporting our customers
Always here to help
We're here to support you with anything in relation to your mortgage.
Mortgages for new customers
If you’d like to know more about our lending, check out our new customer page.
Base rate update
Following the 0.25% decrease to the Bank of England base rate on 7th August 2025, if you're an existing customer with a mortgage linked to the Bank of England base rate, you will experience a decrease of 0.25% on your variable mortgage rate on 1st September 2025.
The TML Buy to Let base rate and the TML Residential base rate will also decrease from 4.25% to 4% from 1st September for existing customers.
If you have questions on how changes to the base rate affect you, or if you’re worried about base rate changes, call us on 0344 257 0427, Monday to Friday between 9am and 5.30pm.
Your home may be repossessed if you do not keep up repayments on your mortgage.