Personal Loans

HOME MORTGAGE LOANS

How to get started

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

Free Pre-Qualification

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More Choices

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Smooth Closings

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Features & benefits

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.

No fees on select services and additional accounts
Earns interest See rates
Option to set up Balance Connect™ for overdraft protection
Paper checks available (no charge or discounted depending on check style)
Maintain a combined balance of $10,000 in eligible linked accounts Learn about combined balances

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.

First-time home buyer guide

Fees & rates

Compare Options

Your mortgage should be as unique as the home you buy

Fixed-rate Loans

No interest rate surprises

A “fixed-rate” mortgage comes with an interest rate that won’t change for the life of your home loan. A “conventional” (conforming) mortgage is a loan that conforms to established guidelines for the size of the loan and your financial situation.

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Apply Now

FHA Loans

Lower credit score requirements

A Federal Housing Administration (FHA) loan is a government-backed home mortgage loan with more flexible lending requirements than conventional loans. Because of this, FHA mortgage interest rates may be higher. The buyer will also have to pay monthly mortgage.

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VA Loans

No down payment option

VA loans are home mortgages backed by the Department of Veterans Affairs (VA). With a VA loan, eligible service members and veterans can buy a home with little or no down payment, or refinance an existing home to get cash out or a lower monthly payment.

Learn More

Apply Now

Tools to help you choose

Why borrow with Signature Trust Bank

Get interest rate discount

In just 30 minutes, an experienced banker will help you get a .25% interest rate discount with an eligible checking and savings account.

Exceptional service from specialists

Get a dedicated expert who answers every question, works to make sure you have the solution that fits your life, and helps every step of the way.

Convenient payment options

Make your payments quickly and easily through online and mobile banking, by phone or mail, with recurring automatic payments, or in a branch.

Secure online & mobile banking

Sign on for 24/7 account access to make payments, transfer money, check balances, and view your statements online.

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

HOME MORTGAGE LOANS

How to get started

Free Pre-Qualification

More Choices

Smooth Closings

When choosing a mortgage:

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

Fees & rates

Compare Options

Fixed-rate Loans

FHA Loans

VA Loans

Tools to help you choose