Borrowing, with the repayment shown upfront
Mortgages for buying or remortgaging, and personal loans for everything else — every example includes real monthly figures.
Buying, moving or remortgaging
First-Time Buyer
- Deposits from 5%
- £999 product fee, or £0 fee option available
- Mortgage adviser included, no extra charge
Home Mover
- Porting your existing deal may be possible
- Free standard valuation
- Dedicated case manager through completion
Buy-to-Let
- For landlords with one or more properties
- Interest-only or repayment options
- Rental income assessed against repayments
Example: a £180,000 repayment mortgage over 25 years at 4.79% would cost approximately £1,032 a month. Your own rate depends on deposit size, credit history and property value.
A fixed monthly payment, start to finish
Standard Personal Loan
- Terms from 1 to 7 years
- Fixed monthly repayment for the whole term
- No early repayment fee after 12 months
Existing-Customer Loan
- Preferential rate for current account holders
- Pre-approved amount shown in your app
- Funds available same working day
Example: borrowing £7,500 over 5 years at 6.9% APR representative costs £148 a month, total repayable £8,880. Checking your rate doesn't affect your credit score.
What happens after you apply
Check your rate
A soft search shows the rate you're likely to get, without affecting your credit file.
Confirm your details
Income, outgoings and, for mortgages, the property details and deposit.
Formal application
A full credit check and, for mortgages, a valuation of the property.
Offer & funds released
Personal loans are usually paid out the same day; mortgages proceed to completion.
Loans & mortgages FAQs
No — the initial rate check uses a soft search, which is visible only to you. A full credit check only happens once you submit a formal application.
APR (Annual Percentage Rate) includes the interest rate plus any standard fees, giving a fuller picture of the true yearly cost of borrowing.
Most Albion mortgages allow overpayments of up to 10% of the balance each year during a fixed term without an early repayment charge.
A mortgage in principle is typically ready within minutes; full completion usually takes 4–8 weeks depending on the chain and valuation.
Get a decision in principle
See what you could borrow without affecting your credit score.