First time buyers

Thinking about buying
a home of your own?

Our range of low deposit mortgages could help...

NatWest mortgages are available for over 18s

Use our tools and calculators 5% deposit mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage


Getting on the property ladder?

Whether you want to know how much you could borrow or if we could lend you the amount you need, our tools are your ideal starting point. Review our range of mortgages and get started today...

Find the right mortgage


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

First time buyers

How can we help?

Mortgage quotes & how to apply
Set Tab for lightbox