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How to get started

With the right home loan, you can refinance or buy a home and keep your financial plans on track

When choosing a mortgage:

To apply, you must hold a current account, savings account, credit card or mortgage with us, be a UK resident, aged 18+ and earning at least £10K per year.

  • Earn unlimited 1.5% cash back on all purchases.​​
  • No limit to the amount of cash back you can earn and cash rewards don’t expire. Calculate rewards
  • Introductory 0%† APR for your first 15 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After that, a Variable APR that's currently 13.99% to 23.99% will apply. 3% fee (min $10) applies to balance transfers.
  • Preferred Rewards members earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase. Learn More About Preferred Rewards
  • This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

Get real insights about the first-time home-buying experience

Our eligibility checker allows you to find out whether you'll be accepted before you apply with us. It takes around 2 minutes and it won't harm your credit rating.

Frequently asked questions

Got a question about how we’re organised, applying to work for us, or looking for financial or shareholder information? View more Q&A here
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Ready to get started?