Whether you’re a first time buyer, moving homes or switching your mortgage, we have a solution for you
— YOUR MORTGAGE STORY STARTS HERE —
Mortgage support every step of the way
At EBS, we know how much it means to find 'the one' - that perfect house you can call home. We know that it's a big step too, and at times you may get ‘the fear'. You might ask yourself ‘Am I really going to save for a mortgage?’ But that’s okay. Because our team are here to offer you advice and to help you make your first (and second) moves. We've been around since 1935; that's a lot of mortgages. And our aim is still the same - to help as many people as possible to own their own home, and to save for the things they want.
— READY TO START? —
Start here
How much can I borrow?
Our handy mortgage calculator will give you a good idea of how much you can borrow
How much will I repay?
Use our calculator to get an idea of what the monthly repayments on your new mortgage could be
Speak to a mortgage advisor
With 66 offices nationwide, we’re never far away and our Mortgage Advisors are here to help you
— GETTING STARTED —
What to expect once you apply
Approval in principle
We will take a look at your finances (how much savings you have and what you spend each month) to determine how much you could borrow. Generally, your AIP lasts up to 12 months
Complete your application
Once you're ready to buy, move or switch we'll need your solicitors details to finalise your application. We'll also need some details of the property and arrange a valuation. You'll need to arrange mortgage protection and home insurance
Mortgage drawdown
Once everything is in order and we've agreed on the term of the mortgage and whether you are taking a variable or fixed rate, we will send a letter of offer to your solicitor. You can then sign the contract and your solicitor can drawdown the funds on your behalf
Tell us about you
Tell us what stage you're at on the journey
Regulatory Information
- Lending criteria, terms and conditions apply. Over 18s only. Security may be required.
- WARNING: If you do not keep up your repayments you may lose your home.
- WARNING: You may have to pay charges if you pay off a fixed-rate loan early.
- WARNING: The cost of your monthly repayments may increase.
- WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a Buy Now Pay Later (BNPL) agreement in the future.