Perenna

Make your next move with confidence

Take a mortgage that’s built to last

  

We’re here to help

  • Borrow up to 6 times your income, subject to criteria
  • Fixing for longer means more stability, putting you in control
  • Short early repayment charge to give flexibility

  

Borrowing power

Secure a home you can afford. See if you can borrow more with us to find the home that’s right for you.

Payment certainty

Fixing your rate long term means you don’t have to worry about your payments going up. So you can plan for the future.

Flexibility as standard

You can take your mortgage with you when you move home. After five years, if you’d like to change your mortgage deal, there’s no early repayment charge.

How much can I borrow?

This depends on a couple of things. We’ll need to look at the amount you earn and how much you spend. Try 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.

How do I apply?

Perenna mortgages are currently available through mortgage brokers only. So, if you’d like some mortgage advice, that’s no problem. We can help find a mortgage broker 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.

A mortgage built to last

We get it. Fixing your rate for 7-40 years is a long time. But you’ll know exactly what you’ll pay each month. By fixing your rate for the full mortgage term, you’ll always know where you stand. No teaser rates, no rising payments, no shocks.

7, 10 and 15-year fixed rate mortgages

You deserve to plan your future with confidence. With Perenna’s fixed rate product, you can lock in your interest rate for up to 15 years, giving you the freedom to focus on what matters most.

Over 55? No problem

For Perenna age is just a number. That’s why we’ve removed age limits. Instead, we assess your mortgage application on your property value and your ability to repay.

You could lose your home if you don’t keep up your mortgage repayments.

Home mover blogs

10 November 2025

Say hello to more choice and peace of mind that lasts.

We have launched our new 7, 10, and 15-year fixed-rate mortgages Read more
8 October 2025

Update to how we manage your mortgage account

We have recently updated our mortgage servicing system. Read more
26 September 2025

Rising rent costs

Renting is costing first-time buyers more than ever. Read more

Creating a nation of happy homeowners

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Perenna is FCSC protected

Perenna Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 956138. Perenna Bank PLC is a company registered in England and Wales with company number 13084174. Our registered office is at The Bloomsbury Building, 10 Bloomsbury Way, London, WC1A 2SL.

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