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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.

About buying your first home

How do I get a mortgage as a first-time buyer? Use our calculator to work out how much you could afford to borrow, based on your income, regular spending and any debts you might have. Then get an Agreement in Principle to see if we could lend the amount you need. Once you have that, and you’ve found a property to buy, you can apply for a mortgage directly with us. This means you’ll talk to one of our mortgage advisers, who’ll recommend a mortgage for you if you meet our lending criteria.

How much deposit will I need as a first-time buyer? We usually ask for 10% of the amount you want to borrow as a deposit – but some of our mortgages are designed to help if you’re struggling to save up that amount.

More first-time mortgage questions? Take a look at the calculators, guides and tips on this page for help getting the keys to your own home.

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. 

Need help with your deposit?

Help to buy centre

Help to buy mortgages

Get a helping hand when buying a home

Struggling to save a deposit? See how the government’s Help to Buy scheme could help you take the first steps towards your new home.

Shared ownership mortgages

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

When you part-buy, part-rent a home through shared ownership, you can apply for a smaller mortgage amount – so your deposit could be lower, too.

Family Springboard Mortgage

A way for families and friends to help with a deposit

Your family and friends can support you by providing 10% of your property’s price as security – and they’ll get their money back with interest if you keep up your mortgage payments in time.

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.

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.

First-time buyer guides

Start your adventure

Expert tips and guides to help you prepare as you set off on the path towards your first home.

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.

0333 202 7580

Starting your mortgage application

Get ready to apply

Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide.