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.

How to get a mortgage

1. Work out how much you can borrow

2. Need some help with your deposit?

3. Get an Agreement in Principle (AiP)

  • See if we could lend the amount you need – without affecting your credit score. It usually takes about 15 minutes to complete one online, and while it isn’t a guarantee we’ll lend to you, getting an AiP will help you make realistic plans
  • You can save your AiP details securely online, so you can come back to it if you need to get agreement in principle for a different amount (for example, if you miss out on one property and find another of a different value)

4. Get ready for your mortgage application

5. Complete and track your application

  • After your appointment, we’ll be in touch if we need any more details, or if we need to arrange access to the property for a valuation. Once everything’s done appropriately, we’ll issue your mortgage offer. You can also track your application progress using the mortgage reference we’ll give you

6. Managing your mortgage

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