You may have heard of the different schemes available now to make home ownership a reality for more people. These include:

Shared Ownership
You buy a share in a property with the remainder being owned by a local council or housing association. Your share is typically 50% and we can lend you up to 95% of that.

Shared Equity
Your employer may offer this as part of your benefits package. You own the house jointly with your employer and the mortgage is set up in your joint names.

We can also arrange your mortgage if you wish to buy your home through a shared equity scheme run by a housing association.

Homebuy
An initiative operated through local housing associations for qualifying tenants and those on waiting lists. The housing association lend you up to 25% of the purchase price and we arrange a mortgage for the balance.

Key Worker Living
This scheme is designed to help people employed as 'key workers' to set up home or upgrade to a family home. We support the Key Worker Living Scheme for homebuyers.

Right to Buy
For council tenants who have the chance to buy their house at a discounted price, we can lend up to 100% of the discounted price.

Guarantor Backed Mortgages
Thinking of helping a family member buy their first home? You may be able to act as Guarantor for the mortgage, helping them take that first big step to independence.

Whether you are a first time buyer or a seasoned home mover, we offer a range of home loan options. And if you are looking for a better mortgage deal, some additional funds, or short term finance to help you move home - we offer remortgages, further advances and bridging finance too. You just need to ask.

Simply contact a Mortgage Adviser at any one of our local branches to arrange an appointment.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.