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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.

  • What you need to do, and when 
  • Understanding your options
  • We’re here to help – online, by phone and in branch

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

Helpful tools

Mortgage calculators

Work out which kind of mortgage you could afford

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

Agreement in Principle

Take the first step to your mortgage

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.

Chat to us online

Chat to us online if you have a question about applying (we can’t give mortgage advice in web chats).

Call us

Call us1 today on 0333 202 7580. Lines are open 7.00am to 8.00pm every day, except public holidays.

Visit a branch

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

Master your Moneyverse

…and make money work for you

We’ve all got our own personal relationship with money – the way we spend it, save it, (try to) look after it and use it to help reach our goals and shape our dreams. This is your Moneyverse. It’s as unique as you are and we can help you become its master.