Steps to buying your first home

We’re here to help with each stage of your journey

Setting goals

Check your affordability

Don’t guess – use our mortgage calculators to work out how much you could borrow.

Four ways to save

Getting a deposit together means making sacrifices. We’ve got some ideas that aren’t too painful – from flat-sharing to first-time buyer schemes.

Set savings goals

As well as a deposit, you’ll need to think about costs, such as solicitor’s fees and Stamp Duty. You could save what you need faster with our helpful tips.


Save up for your deposit tax-free

You have until 30 November to open a Help to Buy: ISA, which lets you save up tax-free and claim a government bonus of up to £3,000.

Staying on track

How to budget

Now that you’ve set goals to work towards, you’ll need to keep to a budget – whether that’s daily, weekly or monthly.

Check your credit score

Banks look at your credit score before deciding how much to lend, so make sure you know your rating and check it’s based on up-to-date information.

Check your budget

Make sure you’re covering all costs for buying a home and for moving, such as fees for surveys and storage.

Getting onto the ladder

How to buy your first home

A property may be the biggest purchase you make in life. Our step by step guide to mortgages can help you find the right deal.

Six key questions

Use the answers to six common questions to narrow your house-hunting search and work out exactly what you’re looking for.

Confessions of an estate agent

You’ll probably use an estate agent to see properties for sale. Seeing things from their side may help when it comes to negotiations.

Cut your bills down

Your household bills could be reduced if you shop around and compare suppliers. Every penny helps when you’re buying your first home.