If you go into arrears, it means you have ‘defaulted’ at least once on your mortgage repayments, i.e. you have missed a month’s payment. Contact us as soon as possible if you think you may go into arrears. If you are applying for a mortgage and have been in arrears previously, it is important that […]


Annual percentage rate: the overall cost of a mortgage, including the interest and fees. It assumes you will have the mortgage for the whole term.

Application Fee

Some products may have an associated application fee. This application fee is charged in order to cover the costs associated with the processing of the application.

Agreement in principle (AIP)

It is always recommended that you speak with us before you begin to look for a property, so that you can establish how much you can borrow. You can use this confirmation to prove to a seller that you can afford to buy their property.