If you are ever thinking of getting any loan (personal or a mortgage) with them - please DON'T. You can speak to multiple people in this institution and each of them will tell you something different about their loan conditions! and after a certain amount of time, when you finally think you got the right answer, you submit all the information that is needed, you engage solicitors that you have to pay for, at the very end, it turns out that the information you were provided at the very end of the whole process is incorrect! And they are hardly sorry for it ! You can triple check it with them. It doesn't help either. 4 different advisors, four different stories. Do you think you can find this information on their website? NO. Do you think your mortgage advisor will know it? NO! because it depends who they are speaking to - they have a different information every time you ask. Waste of time. But this time, I am not going to leave it like that and further public is going to know about it. And an official complaint is going to be raised too. All the calls are recorded and I am not going to pay for your incompetence. I am more than happy for you to contact me asap if you'd rather avoid wider public getting to know how incompetent you are. And I would love if you could listen to how your advisors mislead your customers and waste their time and money.