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First-time buyer mortgages

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.

Helping you buy your first home

  • How to get started

    Buying your first home means making big decisions – where should you live? Which property should you make your home? How will you pay for it?

    Our step-by-step guides cover the things to consider when choosing your first home and how to get a mortgage, including the documents you’ll need and what to expect at your mortgage appointment.

    A guide to buying your first home

    What you need to know

    Find out how the home-buying process works, from working out what you can afford to picking up the keys.

    How to get a mortgage

    Tips to help you find the right deal for you

    Confused about mortgages? 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.

  • Need help with a deposit?

    If you’re finding it difficult to save the deposit amount you need, there are several ways you could get help, including our Family Springboard Mortgage, a number of government mortgage schemes or pooling your resources to buy a property with other people.

    Family Springboard Mortgage

    Buy your home without a borrower deposit

    Buy a home without a borrower deposit if your family or loved ones can provide 10% of the property’s price as security.

    Help to buy centre

    Help-to-buy centre

    Get help with buying your 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.

    Joint mortgages

    Buying property with other people

    Buying with your partner, family or friends can make sense, so long as you weigh up the benefits and risks of taking out a joint mortgage with others.

  • Our mortgages

    There are lots of mortgages out there for first-time buyers but they come down to 2 main types – fixed rate and tracker. We offer both, and we also have a mortgage that could help you out if you’re having trouble saving for a deposit. Our Family Springboard Mortgage lets you apply for a mortgage with no borrower deposit, providing your family can help you out.

    Fixed-rate mortgages

    A rate that won’t change for a set time

    Choosing a fixed rate mortgage means you won’t be affected if interest rates go up or down for a set number of years.

    Tracker mortgage

    A flexible mortgage that follows the market

    A tracker mortgage doesn’t tie you down to a fixed rate, so your payments could go up or down.

    Family Springboard Mortgage

    Buy your home without a borrower deposit

    Buy a home without a borrower deposit if your family or loved ones can provide 10% of the property’s price as security.

    Barclays Green Home Mortgages

    Buy an energy efficient home and get a lower rate

    We’ll reward you with a lower mortgage rate on certain deals when you buy an energy efficient home – it’s just one of the ways we support greener choices.

Tools and calculators

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. 

Track your application online

See what’s happening with Track It

We’ll send you a Track It reference any time you submit an application that you can track online.

Need some help?

If you want to know more about buying your first home, choose how you’d like to get in touch – online, in branch or over the phone. You can also browse our mortgage FAQs.

If you want help choosing the right mortgage for you, you’ll need to call us to speak to a mortgage adviser.

Talk to us online

Start a web chat if you’d like to ask us a question online.

Call us

Call us1 today on 0800 197 1081. Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times.

Visit a branch

Find a branch near you that offers appointments with mortgage advisers and see when we’re open.