Mortgages

HOME MORTGAGE LOANS

How to get started

With the right home loan, you can refinance or buy a home and keep your financial plans on track

Free Pre-Qualification

More Choices

Smooth Closings

Features & benefits

When choosing a mortgage:

To apply, you must hold a current account, savings account, credit card or mortgage with us, be a UK resident, aged 18+ and earning at least £10K per year.

No fees on select services and additional accounts
Earns interest See rates
Option to set up Balance Connect™ for overdraft protection
Paper checks available (no charge or discounted depending on check style)
Maintain a combined balance of $10,000 in eligible linked accounts Learn about combined balances

Get real insights about the first-time home-buying experience

Our eligibility checker allows you to find out whether you'll be accepted before you apply with us. It takes around 2 minutes and it won't harm your credit rating.

Tools to help you choose

Why borrow with Reserve Valult

Get interest rate discount

In just 30 minutes, an experienced banker will help you get a .25% interest rate discount with an eligible checking and savings account.

Exceptional service from specialists

Get a dedicated expert who answers every question, works to make sure you have the solution that fits your life, and helps every step of the way.

Convenient payment options

Make your payments quickly and easily through online and mobile banking, by phone or mail, with recurring automatic payments, or in a branch.

Secure online & mobile banking

Sign on for 24/7 account access to make payments, transfer money, check balances, and view your statements online.

Frequently asked questions

Got a question about how we’re organised, applying to work for us, or looking for financial or shareholder information?