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.

  • Step 1 – Work out what you can afford

  • Step 2 – Get an Agreement in Principle

  • Step 3 – Find the right home

  • Step 4 – Choose a mortgage that suits your needs

  • Step 5 – Going from application to completion

Helpful tools

Mortgage calculator

Work out your mortgage budget

See how much you could borrow and work out what your monthly payments might be with our mortgage calculators.

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 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.