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
Useful Information
To discuss your requirements
Call our Customer Centre on
01372 747771
or email us at
We lend on property throughout England and Wales and have no upper age limit for mortgage borrowers.
Existing Customer
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.
Moving home
Changing product
Additional borrowing
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 buy to let borrower - changing product
Existing buy to let borrower - additional borrowing
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.
Holiday Home
Mortgage applications on holiday homes are available, subject to affordability, on our Standard Variable Rate product terms.
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.
Armed Forces Mortgages
Loans are available on an owner-occupier basis subject to certain conditions. Applications will be assessed on an individual basis depending on circumstances and are available on any of our standard owner occupier mortgage products.
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.
To assist with your decision further, you can use the following methods:
-
Search and apply Online - following our on-screen instructions, this is the simplest and quickest way to choose a product from our range and submit your application and at completion of the loan the added benefit of £75 cashback.
-
Agreement In Principle - by answering a few questions about your circumstances, we will be able to confirm how much you are eligible to borrow.
- Discuss your requirements with our Customer Centre by contacting 01372 747 771 or select Contact Us at the top of the page for further options.
Please note that our mortgage products may change or be withdrawn at any time and are only guaranteed on application.
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.
Security will be required for the loan.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Authorised and Regulated by the Financial Services Authority. FSA Register Number: 206080
National Counties introduces its customers to Legal and General for advising on and arranging life assurances, pensions and investment products bearing Legal and General's name.
