Next Step Mortgages

Time to move on? Perhaps you need more room or a bit more outside space. Maybe the family’s getting larger or you’re changing location. Whatever your reason, it’s a great feeling when you can take that next step up the property ladder!

We aim to help make it as easy as possible. Your deposit on the new place can be as little as 5% and we’ve kept the arrangement fee as low as possible to give you a little extra cash for those home improvements you’re sure to need. One more thing – there’s no charge if you want to repay your mortgage early which is a comforting thought for the future.

  • Mortgages designed for people who already own a home
  • Just 5% deposit required so you borrow up to 95% of the value of your new home
  • Low arrangement fee
  • No early repayment charges
  • Expert help from our friendly Mortgage Advisers

Talk to us today

To arrange an appointment with one of our Mortgage Advisers call us free on:0800 072 1100or complete the form below:





Thank you for your enquiry.

A Mortgage Adviser will be in contact with you within 3 working days.

Your home may be repossessed if you do not keep up repayments on your mortgage

Our next-step mortgages

ProductInitial ratethen changing to our SVR, currentlyThe overall cost for comparison isProduct periodDeposit requiredArrangement fee
Next Step Variable Rate Mortgage4.39% Variable5.39%5.2% APRCfive years5%£995More
Next Step Variable Rate Mortgage5.39% Variable5.39%5.6% APRCLife of loan5%£495More

Representative example:

The following representative example is intended to allow you to easily compare products across lender and does not reflect what your actual monthly payment or APRC could be. Please contact us if you have any questions regarding this.

A mortgage of £271,025 payable over 35 years, initially on a Discount rate for 5 Years at 4.39% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 30 years, would require 60 monthly payments of £1,264.24 and 360 monthly payments of £1,417.94.

The total amount payable would be £587,027.47 made up of the loan amount plus interest (£316,032.47), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.2% APRC representative.