Building a better future

We’re bringing you the only mortgage you’ll ever need. Want to find out how much you could borrow?


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Fixed interest rates

Do you want to know exactly what you’ll pay each month? Fixing your rate for the term of your mortgage does just that. Plus, you’ll never have to worry about rates rising.

Flexible terms

Our mortgages can fit around your life. You can take your mortgage with you when you move home. And after five years, if you’d like to change your mortgage deal – no problem. You can move to another lender or product without charge.

We support homeowners

We think people are happiest when they aren’t worrying about money. That means less focus on rising interest rates and high energy bills. That’s where we come in.  It’s our mission to help create a nation of happy homeowners. Through our long-term fixed rate mortgage, we think we can do that. As the rate is fixed for the life of the loan, our customers may be able to borrow more on their income. This means helping more people onto the housing ladder. And allowing more people to secure a home they can afford.

Our Mortgages

First time buyer

Dreaming about buying your first home? We want to make it a reality. We believe if you can afford a home, you should be able to own one. Find out how we may be able to help you get onto the property ladder.  


We believe in a happy retirement. That’s why we’re doing things differently. Unlike many lenders, we don’t have an age limit. Sound interesting? Find out how we may be able to help you. 


We want to take the ‘worry’ out of remortgaging. We think you should be able to plan for the future. A future that doesn’t force you to worry about whether you can afford your mortgage if your rate changes Find out how we may be able to help you.  


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


Predictable, flexible and easy

Borrowing power

Helping you buy the home you can afford. 

Stress free

Never worry about payments rising again.

No age limits

Enjoy your home throughout retirement.

Funding Net Zero

Green Mortgages

The UK is working hard to reduce it’s carbon emissions. Perenna wants to help accelerate this transition to Net Zero. That’s why we’ll reward you if you make your home more energy efficient.

Making greener choices

We want to help you make better choices for your home and the environment. If you want to make your home greener, that’s great. In fact, if you make your home more energy efficient, we’ll reward you with a lower mortgage rate.

We will also help you finance home improvements which lead to lower carbon emissions. You can use a Perenna mortgage to pay for measures such as insulation, solar panels and heat pumps. You’ll unlock preferential mortgage rates, and can spread the costs of your home improvements with affordable monthly repayments.

We're a regulated bank

Your mortgage is secure with us

Perenna is a bank and is regulated by the FCA and the PRA.

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