First time buyers

Get a move on in to your first home with our lowest ever range of mortgage rates

Use our tools and calculators 5% deposit mortgages
Your home may be repossessed if you do
not keep up repayments on your mortgage

Our lowest ever mortgage rates


Use our tools and calculators to see how
we can help you get a move on to a new home

Use our tools and calculators

First time buyers

What would a yes mean to you?

Use our Online tools to help you, whether you want to know how much you could borrow or if we could lend you the amount you need for your home purchase.

Find out more about 5% deposit Mortgages
Mortgage Tools

How can we help?

Mortgage tools to get you started

How much can I borrow?

Work out your borrowing potential over 25 years

Our how much can I borrow tool quickly gives you an indication of the maximum amount we might be able to lend you over 25 years without the need for personal details.


Would we lend to you?

Using personal data & a soft credit search, you can find out if you are likely to get a mortgage and how to apply.

Input your personal details and you could receive an indicative lending decision instantly online, based on a soft credit search that will not impact your credit record or your ability to obtain credit elsewhere.

  • Quotes for additional borrowing refer to the Mortgage Rate Finder
  • Already have a mortgage with us and your deal is ending soon? View Deals
  • Interested in Buy to Let review our specific pages and contact us direct


Mortgage rate finder?

Review our current mortgage range


Call us

How can we help?

Call us


Opening hours: 
Mon-Fri 8am-8pm, Sat 9am-4pm.
Excluding public holidays.
Calls may be recorded.

We have online tools that may save you a call

Intention to lend Manage Your Mortgage Online

Customers with hearing and speech impairments can contact us by using

Minicom number 0800 917 0526

We make it easier for you to buy your first home

Getting started

It's an exciting time buying your first home. But it can be hard to know where to start when it comes to the important decisions such as choosing the right mortgage.

We have videos to explain the main topics, calculators to help you plan and short guides to lead you through every step...

Read our step by step guide to
home buying
Read our step by step guide to
the mortgage application process


Alternatively, check out our Moving Tales for advice and tips from recent movers. Whether you’re a first time buyer, buying-to-let, or moving, you can find relevant advice on the process from people who have been through it themselves.
Moving tales


Video: How to get a deposit

View Transcript View more video guides

Search our mortgage rates

What kind of mortgage are you looking for?

Find the right mortgage for you, first time. If you've found a house you want to buy, choose a suitable mortgage from our wide range and work out monthly repayments. 

Mortgage Calculator

Helpful tools

Tools to help you plan

Search our mortgage rates, work out how much you can borrow and how future rate changes could affect your repayments.

Our monthly budget calculator also helps you to trim your spending and start saving for your new home.

Looking to buy in London? Our interactive London Borough Comparison tool helps you compare average property prices, crime rates, school ratings and more. 


Home Insurance

Home Insurance
...are you covered?

Once you exchange contracts, your lender will insist that there is adequate buildings insurance cover in place and it is advisable to also take out contents insurance. This can be arranged to start at a date in the future, so that it's one less thing to think about.

Go to our Home Insurance section

Frequently asked questions

What other people are asking us

Any other questions?

View all Common Questions?

Helpful banking

Protecting your money

We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person. Further information is available here (650K PDF) or visit www.fscs.org.uk.

First time buyers

How can we help?

Mortgage quotes & how to apply
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