A range of mortgage deals to suit you

We offer an award-winning range of fixed rate and tracker mortgages with competitive rates, whether you're a first-time buyer, moving home or looking to remortgage. Plus, as a thank you for choosing us, you'll collect Clubcard points on your monthly repayments.

Get started by using our quick mortgage calculator to see how much you could borrow.

Fixed rate mortgage

Our 2, 3 or 5 year fixed rate mortgages give you the comfort of knowing what your monthly mortgage repayments will be for a set period.

Tracker rate mortgage

Our 2 year tracker rate mortgage is variable which can provide lower monthly repayments, but those payments will change if the tracked rate changes.

How can we help?

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First time buyers

Buying your first home is an exciting time with a lot of changes. We'll guide you through the mortgage process every step of the way, from saving your deposit to getting a mortgage offer. You could get the keys to your new home sooner than you think.

Two deckchairs in a room

Moving home

Whether you're taking your next step up the property ladder or downsizing, there's a lot to think about when you're moving home. Whatever the reason, let us help you find a mortgage so you can focus on looking for your ideal home.

Father and daughter painting a room


If you're looking to move your current mortgage from another lender, we can help. We'll guide you through our remortgaging options, and then help you switch to our best deal.

Home Buyers Survey 2017

How UK buyers get on the ladder, read their greatest challenges, and how they tackled them.

Got a mortgage with us?

Learn how to make changes to your mortgage account or switch your deal.

Manage your mortgage online

View your monthly payments and product information, or retrieve an existing mortgage quote.

It's official. We're one of the best UK mortgage lenders and What Mortgage awards

Our awards are great recognition for our range of mortgage products. We’re really proud of all of our awards, in 2017 we were awarded What Mortgage’s Best Direct Lender for the second year running and Moneyfacts Best Remortgage Lender 2017. We were also Moneyfacts Best First Time Buyer Mortgage Provider 2016 and Moneynet’s Best Direct Mortgage Provider for the third time in a row.

Why choose a National Trustco Bank mortgage?

  • Tesco Clubcard points on your mortgage repayments
  • Make overpayments up to 20% each year
  • Fixed and tracker rate mortgages

Your home may be repossessed, as a last resort, if you do not keep up repayments on your mortgage.

Apply for a mortgage with us

Contact us - We're here to help

Need a few questions answered? Want to chat rather than scroll? Our UK-based teams are here to talk to you six days a week. Lines are open Monday to Friday 8am-9pm and Saturday 9am-4pm.

Call 0345 217 2050* to chat about new policies.

* These numbers may be included as part of any inclusive call minutes provided by your phone operator.