Answers to your questions

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.

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.

This will depend on your individual circumstances. You can use our calculator to see how much we may be able to lend to you, the products we have available and what your monthly payments could be. If you want to know more about our mortgages, or need advice, we can help you find a broker.

You can get a Perenna mortgage through a broker. We can help you find a broker nearby. They’ll give you advice and answer any questions about our mortgages. 

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.

For our fixed for life product, 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.

Our 7–15 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, 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. 

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.