First-time home buyers

Start the journey to buying your first home

We’ll guide you towards your first mortgage. Follow these steps to get started on the property ladder.


Ready to start your mortgage application?

How to buy your first home

  • How do I get a mortgage as a first-time buyer? The first step is finding out how much you could afford to borrow based on your income, regular spending, and any debts you might have. Use our calculators to get a quick view of how much you could afford. Then you’ll need to get an Agreement in Principle (AiP) to see if we could lend the amount you need. It takes about 10 minutes and then you can book an appointment online with a mortgage adviser right away.

  • How much will I need for a deposit 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 don’t have that amount.

Step 1: How much could you borrow?

Use our borrowing calculator to get an idea of how much you could borrow based on your income and monthly spending.

Borrowing calculator

Step 2: How much would it cost you?

You can use our repayment calculator to see our latest interest rates and see what your monthly mortgage payments might be.

Repayment calculator

Step 3: Get an Agreement in Principle

Take the first step in your mortgage application with an Agreement in Principle (AiP). You can do this online, and it won’t affect your credit score. It takes about 10 minutes and then you can book an appointment online with a mortgage adviser right away.

Get an AiP

More ways we can help with buying your first home


Shared ownership mortgages

Buy part of a home and pay rent on the rest.

This is a scheme that helps you to buy a home with a fraction of the usual deposit or mortgage.

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 paying your mortgage on time.

Barclays Money Mentors

First home or new home, we’re here to help

Buying a home should be exciting – that’s why we’re here to offer you guidance on how you can achieve your goals.

Getting a mortgage when you’re self-employed

How to prove your self-employed income

Find out how to prepare for a mortgage application when you’re self-employed and see how we can support you during the process.

Cover for the things that matter the most

Life insurance for mortgage protection

Peace of mind for the future

Whether you’re a first-time buyer or only have a few years left on your mortgage, make sure your mortgage is always protected.

Explore life insurance

Call us on 

0333 202 7580

We’re here Monday to Friday from 7am to 8pm, Saturdays and Sundays from 7am to 5pm, and on bank holidays from 9am to 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges(1).

Join the 10 million Barclays app customers

Make money work for you by opening an account in a few simple steps. If the account’s just for you and you’re over 18, you can use our app.

You can also check our full mortgage range [PDF, 285KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information. Subject to application, financial circumstances & borrowing history. T&Cs apply.

Important information

  1. Mortgage adviser appointments are available when you are, Monday to Friday from 8am to 9pm, Saturdays from 8:30pm to 5pm and Sundays from 9am to 3:30pm, excluding bank holidays. If you call an 03 number, you’ll be charged your standard rate. To maintain a quality service, we may monitor or record phone calls. Call charges.(Return to reference)