Answers to your questions

Anyone aged 18 or over who lives in the UK (and has the right to live in the UK permanently) can apply. You’ll need to be planning to buy or remortgage a home in England or Wales too. We will carry out some checks to make sure you (and anyone else you’re buying a home with) can afford the mortgage.

Yes, Perenna mortgages are currently available for properties in England and Wales only. 

This will depend on your individual needs.

You can speak to your broker for expert advice, tailored to your needs. They will help you find the right product and answer any questions along the way.

Looking for a mortgage broker? Visit unbiased.co.uk to find one near you.

Perenna mortgages are available through mortgage brokers. So, if you’d like some tailored mortgage advice, that’s no problem.

You can speak to your mortgage broker or visit Unbiased to find one near you. They’ll know all about our mortgages, so can answer any questions you may have.

We offer mortgages for homes you will live in. We don’t offer buy-to-let mortgages right now, but that may change. To learn more, check out our mortgage options or use our calculator to see how much you could borrow and estimate your payments.

Yes, we offer flexibility as standard.

Our 5–15 year fixed-rate mortgages have a flexible early repayment charge (ERC). There is no ERC if you move home or sell your house. Or if you repay the mortgage in full using your own funds. You can also make extra payments of up to 10% per year without a charge. The ERC only applies during the fixed-rate period and only if you refinance, take a new product with us or another lender, or pay more than 10% extra.

No. We only offer mortgages for homes that you will live in.

If you want to know more about our mortgages or need advice, speak to your broker or visit Unbiased.co.uk to find one near you. They'll provide tailored advice on your mortgage needs. Plus, they'll know all about our mortgages, so can answer any questions you may have.

When your fixed-rate deal ends, your mortgage will switch to the Perenna Reversion Rate. This is our version of what some call a Standard Variable Rate (SVR). The rate can go up or down based on market conditions.