First time buyers

Buying your first home

How much could you borrow?

Start by seeing how much we might might be able to lend you.

We only need your income, outgoings, deposit and cost of the homes you're looking at

We'll show you an indicative amount so you can see if it's affordable

Compare our rates for first-time buyers

Why not start by comparing our mortgage rates and finding out how much we might lend you?

Easily compare our mortgage rates and deals

Find out the cost and monthly repayments

Get an Agreement in Principle

A step towards applying for a mortgage

Tells you how much we might be able to lend you.

Puts you in the ideal place to start your search for the perfect home

Uses a soft credit check, leaving no footprint

Get an answer in minutes

Offers and schemes for first time buyers

Need a hand to get on the property ladder?

95% Mortgages

Borrow up to 95% of the value of the home you want to buy. All you need is a deposit of at least 5%, but less than 10%. And the property you’re buying should be worth less than £600,000.

Cashback mortgages

We’ll give your solicitor £250 cashback on the day you draw down your mortgage.

This offer is only available on selected mortgages marked with ‘cashback’, and we can change or withdraw it at any point. Early repayment charges may apply. Maximum loan to value: 85%.

Help to Buy: ISA

You could get up to £3,000 towards your first home with a Help to Buy: ISA. The UK Government will give you a bonus of 25% on your closing savings balance. 

Conditions apply. Available to first time buyers aged 16 or over and UK resident.

Find out how to apply

We think applying for a mortgage should be quick, easy and hassle-free. To help you along, we’ve gathered all the tips you need to prepare for your mortgage application.

Need some help?

Call us

We're on hand to arrange a phone or branch appointment with one of our qualified mortgage advisers. We can also help with any general queries about the process. 

Call us on 0800 096 9527
 

Customers with hearing and speech impairments can contact us by using our Minicom number 0800 027 1396.

Arrange a callback

Complete our quick form to arrange a callback at a time that suits you, including evenings and weekends.

This will allow you to arrange a phone or branch appointment with a qualified mortgage adviser.

Something else we can help you with?