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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.

First-time home buyer tips

Our first-time buyer guides will help get you ready to buy your first home. We’ll point out all the things you need to know about the mortgage process, and explain first-time home buyer benefits. 

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

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.

Help to buy centre

Help to buy mortgages

You can no longer apply for the government’s Help to Buy scheme

You can no longer access the equity loan from Homes England, and you won’t be able to complete using a Help to Buy: Equity Loan mortgage. Find out more about the scheme here: www.gov.uk/help-to-buy-equity-loan 

If you have any questions about your mortgage offer, please contact your mortgage advisor or broker for more information.

Shared ownership mortgages

Buy part of a home and pay rent on the rest

A government-backed scheme helps you buy a home with a fraction of the usual deposit or mortgage.

money-mentors-group-on-beach

Barclays Money Mentors

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

Buying your new home should be exciting, which is why we’re here to offer you guidance on how you can achieve your goals.

More options for first-time mortgages

Joint and guarantor 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?

Call us

You can call us on Monday to Friday from 7am to 8pm, and on Saturday and Sunday from 7am to 5pm.

0333 202 7580

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.