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Financial aspects of owning a home

Your home may be repossessed if you do not keep up repayments on your mortgage

Consider how the numbers all add up

Buying a home is a journey. These tools and guides can help take the first steps by getting an initial idea of how much you might be able to borrow, giving you some ideas on how to save for your deposit and helping you make sure that your mortgage is affordable for you. There’s also advice for further down the road on the additional costs of buying a home and how to cope should your circumstances change or interest rates go up.

We can use our experience to help make the process as simple as possible for you. The guides and tools below can help you get an idea of how much of a mortgage you can afford, how to budget towards it, as well as planning for potential costs that you hadn’t considered. With careful planning the journey towards buying your new home should be an enjoyable one and we aim to support you at every step.

Couple discussing credit score

How your credit score affects you

This guide from Yorkshire Bank will help you understand how your credit score affects your mortgage application and provides advice on how to improve it.

Find out more on how your credit score affects you

Couple discussing their mortgage amount

How much can I borrow?

How much you may be able to borrow and advice on avoiding overstretching yourself.

Find out more on how much you can borrow for a mortgage

Happy family

What mortgage is affordable?

Making sure that your mortgage is affordable now and in the future will ensure that you can enjoy life in your new home.

Find out more on what mortgage is affordable

Couple moving into new home

The cost of moving house

Make sure you’re aware of all the costs of moving house. From Land Taxation to life insurance, these costs can really add up – plan ahead and avoid pain.

Find out more on the cost of moving house

New mother with child

What happens if my circumstances change?

How to protect yourself and your mortgage if your life changes.

Find out moreon what happens if my circumstances change?

City skyline

If your mortgage interest rates rise?

How interest rates affect your mortgage and how to make sure your mortgage stays affordable if they rise.

Find out more on what a rise in interest rates could mean for your mortgage


Tools and guides

First time buyers guides and tools

Help on the journey to owning your own home.

Mortgage jargon dictionary

Find out what you need to know in plain English with our mortgage jargon buster.

Mortgages for the self-employed

How to improve your chances of a successful application when working for yourself.

The mortgage process explained

Getting a mortgage can seem like a complicated process but we're here to make it as easy as possible for you.

Buy-to-let mortgages explained

Is a buy-to-let property the right investment for you? Find out with our examination of the many aspects involved.


Online enquiries

Complete our online enquiry form and one of our advisors will be in touch to discuss your mortgage requirements and available options.

Online mortgage enquiry

Live chat

Got a question? Our advisors are available through live chat to help you find the answers.

Chat online now

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Speak to an advisor

Get in touch to discover how our advisors can help you live where you love.

Call us to speak to an advisor about a query or to apply for a mortgage.

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