Britannia

Accessibility Links

What we'll lend you

When we're working out how much we'll lend to you for your property, the first thing we take into account is your salary and your ability to repay the loan. We may be willing to lend you a different amount, depending on your circumstances. If you want to borrow a higher amount please contact us.

If you decide to apply online, you can apply for a term up to the age of 75. If you wish to extend your mortgage beyond 75, you'll need to speak to an advisor by visiting a branch, or by calling us on 0845 121 7901 if you have a Britannia mortgage, or 0800 526 350 for new customers.

We ask you for at least a 15% deposit; so for a £100,000 house, you'll need £15,000.

For a single mortgage

  • we'll lend you 4.25 x your gross annual income

For a joint mortgage

  • with a combined income, we'll lend you 3.75 x your joint gross annual income
  • where one of you earns much more, we'll lend 4.25 x the higher gross annual income and 1 x the lower gross annual income

For 3 or 4 customers

  • we'll lend 2 x the combined gross annual income.
  • Please note our online mortgage application can only process up to a maximum of 2 applicants.

Self Employed

If you're self-employed, we ask for three years' accounts. Income is defined in 2 ways based on the following groups of applicants:

  • Sole Trader / Partner / Sub-contractor - income is based on the last year's net profit
  • Director - Private Ltd. Co. or Public Ltd. Co. with shares of 25% or more - income is based on director's salary/fees, plus dividends actually paid.
Additional Information
Other Sections

Get in touch

Get in touch

If your mortgage is with Britannia and you have a query about it, please call 0845 121 7901.

Opening Times: Mon-Fri 8am-8pm, Sat 9am-12noon

Calls may be recorded and/or monitored.

If you wish to talk about moving your mortgage to Britannia, please call us on 0800 526 350.

0800 - Calls from a BT landline are free, however mobile providers may charge.

Lines open: Mon-Fri 8am-8pm, Sat 9am-1pm

Calls may be recorded and/or monitored.

www.britannia.co.uk