First time buyers

Buying your
first home

How much can I borrow?

We only need your income, outgoings, deposit and cost of the homes you're looking at. We'll show you an indicative amount, so you can see if it's affordable.

Get started with our mortgage calculators

Mortgage rate calculator

Compare rates and monthly repayments

Take a look at all our first time buyer mortgage rates. These include 5% deposit and cashback mortgages.

Agreement in Principle

Have a property in mind?

Find out if you can borrow the amount you need in minutes, without affecting your credit score or credit file.

Offers for first time buyers

Need a helping hand to get on the property ladder? You could apply for a 95% or cashback mortgage.

95% mortgages

Borrow up to 95% of the value of the home you want to buy

A 95% mortgage allows you to borrow up to 95% of the total cost of your property. 

You'll need a deposit of at least 5%, but less than 10%. The property you're buying needs to be worth less than £600,000.
 

Cashback mortgages

It pays to get a cashback mortgage with us

We’ll give your solicitor £250 cashback on the day you drawdown your mortgage and they'll pass it on.

This offer is only available on selected mortgages and can be changed or withdrawn at any point. Early repayment charges may apply. Max loan to value of 95%.

Help to Buy: ISA

Get a bonus on your closing savings balance

If you're saving for your first home, you could apply for a Help to Buy: ISA. You'll get a 25% government bonus on amounts saved between £1,600 and £12,000.

Conditions apply. Available to first time buyers, aged 16 or over and who are UK resident.

Win £10,000 Cash

Enter our free prize draw for a chance to win £10,000 in cash.
Closing date 30th September 2019. One prize available. Excludes Northern Ireland. Over 18s only.

Terms and conditions apply

Need some help?

Call us

We're on hand to arrange a phone or branch appointment with one of our qualified mortgage advisers. We can also help with any general queries about the process. 

Call us on 0800 056 0567
 

Customers with hearing and speech impairments can contact us by using our Minicom number 0800 027 1396.

Arrange a callback

Complete our quick form to arrange a callback at a time that suits you, including evenings and weekends.

This will allow you to arrange a phone or branch appointment with a qualified mortgage adviser.

Something else we can help you with?