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. 

Our mortgages will be financed through long term covered bonds.

<span class="TextRun SCXW29303534 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun SCXW29303534 BCX8">This will depend on your individual circumstances. You can use </span><span class="NormalTextRun SCXW29303534 BCX8">our</span> </span><a href="https://perenna.com/affordability"><span class="FieldRange SCXW29303534 BCX8"><span class="TextRun Underlined SCXW29303534 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun SCXW29303534 BCX8" data-ccp-charstyle="Hyperlink">calculator</span></span></span></a><span class="TextRun SCXW29303534 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun SCXW29303534 BCX8"> to see how much we may be able to lend to you, the products we have available and what your monthly payments could be.</span></span> <span class="TextRun SCXW29303534 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun CommentHighlightRest SCXW29303534 BCX8">If you want to know more about our mortgages</span><span class="NormalTextRun CommentHighlightRest SCXW29303534 BCX8">, </span><span class="NormalTextRun CommentHighlightRest SCXW29303534 BCX8">or need advice, we can help you </span></span><a class="Hyperlink SCXW29303534 BCX8" href="https://perenna.com/find-broker" target="_blank" rel="noreferrer noopener"><span class="FieldRange SCXW29303534 BCX8"><span class="TextRun Underlined SCXW29303534 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun CommentHighlightRest SCXW29303534 BCX8" data-ccp-charstyle="Hyperlink">find a broker</span></span></span></a><span class="TextRun SCXW29303534 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun CommentHighlightRest SCXW29303534 BCX8">.</span></span>

<span class="TextRun SCXW74270094 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun CommentHighlightClicked SCXW74270094 BCX8">You can get a Perenna mortgage through a broker. We can help you </span></span><a class="Hyperlink SCXW74270094 BCX8" href="https://perenna.com/find-broker" target="_blank" rel="noreferrer noopener"><span class="TextRun Underlined SCXW74270094 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun CommentHighlightClicked SCXW74270094 BCX8" data-ccp-charstyle="Hyperlink">find a broker</span></span></a><span class="TextRun SCXW74270094 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun CommentHighlightClicked SCXW74270094 BCX8"> nearby. </span><span class="NormalTextRun CommentHighlightClicked SCXW74270094 BCX8">They’ll</span><span class="NormalTextRun CommentHighlightClicked SCXW74270094 BCX8"> give you advice and answer any questions about our mortgages</span><span class="NormalTextRun CommentHighlightPipeClickedV2 SCXW74270094 BCX8">.</span></span><span class="LineBreakBlob BlobObject DragDrop SCXW74270094 BCX8"><span class="SCXW74270094 BCX8"> </span><br class="SCXW74270094 BCX8" /></span>

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 we offer flexibility as standard. This means you can take your mortgage with you when you move home. After five years, if you’d like to change your mortgage deal or make overpayments, no problem. There’s no charge.

For Perenna that means the interest rate on the mortgage is fixed for the whole term. This means if you take out a 40 year fixed rate product, you know your payments won’t change during that time.

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

If you’d like to find out about the retrofit discount feature we offer on our remortgage range or need to let us know that you have completed the upgrades to your home, you can visit our retrofit discount page.

If you want to know more about our mortgages or need advice, we can help you find a broker. 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.