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First-time home buyers

Start the journey to your first home

Find out how to buy a home and take out a mortgage, get tips on what to do if you can’t save the deposit you need and work out much you could borrow.

  • Understand your mortgage options with our first-time buyer’s guide
  • Find out what you can do if you’re having trouble saving for a deposit
  • Explore a wide range of deals to help you buy your first home or buy-to-let property

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

Your first steps

How to get a mortgage for your first home

Find the right deal for you

We’ll show you how to get a mortgage from start to finish, including what you need to tell us and the steps you’ll need to take.

What happens after my mortgage offer is issued?

Completing your mortgage

With a mortgage offer from us in hand, you’re almost home and dry. Find out how to complete your mortgage and pick up the keys.

Mortgage calculators

Work out the kind of mortgage you could afford.

Use our mortgage affordability calculators to work out how much you could borrow and what kind of deposit you need for a mortgage.

Agreement in Principle (AiP)

Take the first step to your mortgage with an AiP

Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score. 

More first-time mortgage options

Our mortgage rates

Compare our latest deals

Whether you’re buying, remortgaging or buying to let, we’ve got a deal for you – including exclusive rates if you already have a mortgage with us.

Help to buy mortgages

Get a helping hand when buying a home

Struggling to save a deposit? Help to Buy could suit you – while our Help to Buy ISA offers a bonus if you’re saving for a deposit on your first home.

Shared ownership mortgages

Buy a share of a home and pay rent on the rest

Buying a home through shared ownership means you can apply for a smaller mortgage amount – so your deposit could be lower, too.

Getting a mortgage when you’re self-employed

Verifying your income

Find out how to prepare for a self-employed mortgage application – and see how we can help you.

Need some help?

Chat to us online

Start a web chat if you a question about applying (we can’t give advice about choosing a mortgage during web chats).

Call us

Call us1 any time – lines may be closed at off-peak times on bank holidays and during Christmas.

0800 197 1081

Mortgage appointment

How to prepare

Find out which documents you’ll need and what you’ll discuss with our mortgage adviser at your appointment.