Cashback mortgages

The cashback will be paid to your solicitor with the mortgage funds, typically on the day you get the keys to your new property. You should agree with your solicitor how you would like to receive the cashback. The cashback offer can be withdrawn or changed at any time.

Yes. We offer two ways for you to arrange your mortgage with us - over the phone or in branch. If you apply for one of our first time buyer mortgage products you will receive the cashback when you complete your mortgage. 

Take a look at our First Time Buyer page to find out more.

If you are buying a new home, whether a first time buyer or not, simply choose any 'cashback' mortgage deal, apply with us and we'll pay the cashback to your solicitor on the day you drawdown your mortgage.

The offer is only available on selected mortgages marked with 'cashback' and can be changed or withdrawn at any point. Early repayment charges may apply. Maximum Loan To Value (LTV) 90%.

Tax rules are complex and depend on your individual circumstances. We cannot provide you with tax advice and it is recommended that you check with the HMRC or obtain independent tax advice.

No. You receive the cashback after completion of your first mortgage and we will not ask you to repay it.

No. We pay the cashback when your mortgage completes, so it won’t be available to cover upfront costs like the valuation fee.

No, there’s no set move-in deadline to get your cashback.

As long as you complete your mortgage with a valid offer that includes cashback, it’ll be paid to your solicitor when everything goes through.

Just keep in mind:

• Mortgage offers are usually valid for 6 months
• If your offer runs out, you may need to apply again
• Cashback will only be included if your new offer has it and you go on to complete

They might do. Some solicitors charge a fee to send the cashback on to you.

This can vary depending on the firm, and it’ll usually be added to your legal bill. It’s not something we set or cover, but your solicitor can talk you through any costs upfront.