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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.

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

How mortgages work

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 lending rules

What they mean for you

Understanding the rules all mortgage lenders have to follow can help you prepare for your application. Find out how.

Help with affording a mortgage

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 mortgages

Get a helping hand when buying a 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.

More options for first-time mortgages

Joint mortgages

Buying property with other people

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

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.

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.

0800 197 1081

Track It

If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.

Visit a branch

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