Home is where the heart is. Unless, of course, the roof's leaking, the paint's peeling or you need another bedroom.

Wherever you are on the property ladder, from first-time buyer to second home, we have a great range of mortgages that can help you get the home you want.

One thing you asked us for that we can't offer, is a discount on rates for products with an initial rate under 6.25% or a discount on application fees. The reason is that it would leave you open to 'benefit in kind' tax.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

To find out more visit the Woolwich website

Don't forget that you are also entitled to a discount on Legal and General Home and Contents Insurance

Just visit your local branch of Barclays and speak to a Woolwich Mortgage Advisor

Call Exclusively Ours on 0845 678 1 678 and ask for 'borrowing' then 'mortgages'.