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Mortgages home

Whether you're buying your first home, moving house or simply changing mortgage provider, National Counties offers you a personalised approach to mortgages.

  • Personal service:  One number gets you straight through to our experienced staff who can quickly answer any questions you have about our products, your eligibility or your application.
  • 24 / 7 online:  Use our Online service to find out how much you can borrow, what it will cost and, when you're ready, to submit your application (not available for Family First mortgages).
  • Tailored lending decisions:  Our experienced Underwriters give individual consideration to each and every application.

We lend on property throughout England and Wales and have no upper age limit for mortgage borrowers.

Useful Information

To discuss your requirements

Call our Customer Centre on

01372 747771

or email us at

customer centre

 
 

Existing borrower

 

We're always here to help our existing borrowers, whether you're moving home, changing your current mortgage product or just want to borrow some more money.
+ Managing your Mortgage
+ Moving Home
+ Mortgage product coming to an end?
+ Further Advance

 

Your own home

 

Whether you are purchasing a new home or simply looking for a new mortgage deal on your existing property we can help. Our mortgage product range covers fixed interest rates, rates which track changes in the Bank of England bank rate and our discounted variable rate.

 

Buy to let

 

We have a range of mortgage products for landlords, offering a choice between a  fixed interest rate and our discounted variable rate.

Existing borrower - moving home
Existing borrower - further advance

 

First time buyer

 

We can help you take the first step on the property ladder with our dedicated fixed rate Family First Guarantor Mortgage with a deposit as low as 5%, or you can use one our standard range of mortgage products  (which require a deposit of 20% or more).

If your circumstances are more unusual our personal approach to underwriting
means that we may still be able to offer you the mortgage you want.

 

Second home

 

If your work requires you to live away from your main residence a mortgage on a second home may be considered, subject to affordability, using any of our standard owner occupier mortgage products.

Find out more about our existing mortgage products here:
+ Owner occupier mortgages

 

Holiday home

 

Mortgage applications on holiday homes are available, subject to affordability, on our monthly interest, standard owner occupier mortgage products.

Find out more about our existing mortgage products here:
+ Owner occupier mortgages

 

Expatriate mortgage

 

Loans are available on an owner-occupier or buy to let basis, subject to certain conditions. You must be able to provide satisfactory evidence of identity, proof of income and hold a UK bank account. Applications may be subject to an increased completion fee.

Find out more about our existing mortgage products here:
+ Owner occupier mortgages 
+ Buy to let mortgages

 

Armed forces mortgages

 

Loans are available on an owner-occupier basis subject to certain conditions. Applications will be assessed on an individual basis. We now accept Long Service Advance of Pay (LSAP) as a source of funds for your deposit. Click here for further information on LSAP.

Flexibility to change occupancy status and subsequent product terms will be considered on request. This may be subject to standard fees and early repayment charges.
+ Owner occupier mortgages

If you require further assistance, please consider the following:
+  Search and apply online - this is the simplest and quickest way to choose a product from our range and, at completion of the loan, you can claim £75 cashback - just follow our on-screen instructions!

+  Mortgage eligibility - by answering a few questions about your circumstances, we will be able to estimate how much you are eligible to borrow.

+  Discuss your requirements with our Customer Centre by calling 01372 747771, alternatively you can request a call back.

Interested in giving your money a health check?
The Money Advice Service is a free, independent service. Set up by government and funded by a levy on the financial services industry. This facility offers a free confidential health check. Just answer some confidential straightforward questions, which takes about 5 - 10 minutes and receive an action plan tailored to you with clear goals to work towards.

You can receive your money health check by clicking on this link, Money Advice Service.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE