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Mortgages

We've got everything you need to make finding a mortgage straightforward.


Applying with us is easy

Get started by finding out how much you could borrow. Or, if you're ready, find out how to apply.

Manage your mortgage

Got a mortgage with us already? Find out how to make changes, borrow more, move home or switch to another rate.

Compare our mortgage rates

Choose Us and you could find a lower interest rate that could make your monthly repayments less.

Mortgages to suit you

From remortgaging to getting your foot on the property ladder, take a look at our mortgages to find what could be right for you.

What are the different types of mortgages?

The best mortgage for you will depend on your circumstances, plans, and whether you want to live in or rent out the property.

A fixed-rate mortgage will mean your monthly payments should stay the same until an agreed date, no matter what happens to interest rates in the market.

Tracker mortgages follow the Bank of England’s Base Rate and rise or fall along with it. The interest rate charged is the Bank of England’s Base Rate plus an agreed margin. There are ‘lifetime’ trackers for the life of the mortgage and term trackers, which may be for 2 or 3 years.

The SVR is the rate of interest that’s usually charged once a fixed rate or term tracker period ends. You can often move to another fixed mortgage or tracker product instead of moving onto a SVR.

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Making the most of your mortgage

Whether you're remortgaging or a first-time buyer, there's a lot to get your head around – from the different types of mortgages to finding out how much to borrow.

  • First-time buyer mortgages
    Find out everything you need on the journey to owning your own home.
  • Remortgage
    If your mortgage is with another lender, easily move it to Havin and you could get a better deal.
  • Mortgages for moving home
    Move home and you could get a better deal with an Havin mortgage.
  • Buy-to-let mortgages
    Explore how our buy-to-let mortgages could make it easier to buy your rental property.
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