What identification must I provide?

How much can I borrow?

How much deposit will I need?

What type of Valuation Reports are available and how much do they cost?

What costs are involved with taking out a DBS mortgage?

Will I need a Guarantor?

How is interest charged?

How can I reduce my mortgage?

What should I do if I am experiencing financial difficulties?

What should I do if I have a complaint?

Can I borrow further money once my mortgage has completed?

How can I make my repayments?

How much deposit will I need?

Buying Your Own Home

If you are purchasing a property to live in, or moving your present residential mortgage to us, you will normally require a minimum of 25% of the purchase price or property value (whichever is lower) for a deposit.
For instance, if the house is valued at £100,000, you will need at least £25,000.

In the following circumstances you will need to find a higher deposit:

Buy To Let

If you are not intending to live in a property yourself and want to let the property, a 25% deposit will be required.

Commercial Property

If you want to purchase a property for business reasons, we require a minimum deposit of 30%.

Right To Buy

You are not required to find any deposit for Right To Buy mortgages. If you are currently living in rented local authority accommodation and your local authority allows you to purchase under the Right To Buy Scheme, you will not be required to find a deposit as we are able to lend 100% of the discounted purchase price.

Equity Release

If you are over 50, own or have a small mortgage on your existing property you could release some of the equity that you have built up in your home.