First time buyers

Buying your first home

How much could I borrow?

The best place to start is our mortgage calculator.Use it to find out:

How much we may be able to lend to you

Compare our mortgages

What your monthly repayments might be

Use our mortgage calculator to see how much you could borrow, what it might cost you per month and compare mortgage rates.

What is an Agreement in Principle?

An Agreement in Principle, also known as a Mortgage in Principle or Decision in Principle, is a more accurate indication of how much we could lend to you to buy your next home.

Takes as little as five minutes

It won't affect your credit score

First step towards a full mortgage application

By completing an AIP, you are not committing to apply for a mortgage with us.

Offers for first time buyers

Need a helping hand to get on the property ladder? You could apply for a 95% or cashback mortgage.

95% mortgages

Borrow up to 95% of the value of the home you want to buy

A 95% mortgage allows you to borrow up to 95% of the total cost of your property. 

You'll need a deposit of at least 5%, but less than 10%. The property you're buying needs to be worth less than £600,000.

Cashback mortgages

It pays to get a cashback mortgage with us

We’ll give your solicitor £250 cashback on the day you drawdown your mortgage and they'll pass it on.

This offer is only available on selected mortgages and can be changed or withdrawn at any point. Early repayment charges may apply. Max loan to value of 95%.

Help to Buy: ISA

Get a bonus on your closing savings balance

If you're saving for your first home, you could apply for a Help to Buy: ISA. You'll get a 25% government bonus on amounts saved between £1,600 and £12,000.

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

Win £10,000 Cash

Enter our free prize draw for a chance to win £10,000 in cash.
Closing date 31st January 2020. One prize available. Excludes Northern Ireland. Over 18s only.

Terms and conditions apply

Need some help?

Call us

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?