Mortgages for first time buyers

Whether you’re in saving mode, setting property alerts or offer-ready, we’re here to help you get on the first rung of the property ladder.

Why get your first mortgage with us?

  • get an Agreement in Principle (AiP) valid for 6 months

  • we offer 5% deposit mortgages for first time buyers

  • terms up to 40 years

  • borrow up to 4.75x your income (see how much you could borrow)

  • we cover the cost of standard valuations

  • no booking fees on some mortgages

  • reduce your overall interest with unlimited overpayments*

*you can make unlimited overpayments towards your borrowing - but you might have an Early Repayment Charge if you repay your whole mortgage during the fixed rate period. This might not be a consideration right now, but unlimited overpayments mean you could reduce the overall interest you pay in the future.

Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.

Find a mortgage for you

How to apply

Mortgage essentials

We’ve pulled together all the information you need to know before you get started on your home buying journey. Let’s get this show on the road…
How to apply

Applying for a mortgage

Getting ready to apply for your first mortgage? The first step is finding the right mortgage for you – and we’ve got just the tool to help.
Find a mortgage for you

Need more information?

We've got lots more answers, don't worry. We're experts when it comes to mortgages. 

Finding the right mortgage

How much can I afford?

How to improve your credit score

Am I a first time buyer?

Can I get a mortgage?

House hunting tips

Where do I start my house hunt?

Decide where you want to live 

Costs and money management

So, how exactly do I pay for a house?

Find out the real cost of buying a house

5 tips that could help you save for your deposit

Help with choosing a house

Make the most of every viewing

What to look for before making an offer

What is conveyancing and do I really need it?

What documents might I need?

Get in touch

Are you in the market for a new mortgage? Do you have a question about your recent application? Or perhaps you’re ready to pay off your mortgage? Whatever your query, we can help you find the right team who can answer it. 

Contact us

Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.