We’ve helped thousands of people enjoy their own First Morning in a new home. Now you could too with our First Time Buyers Mortgages. Use our search tool above to find the right First Time Buyer mortgage for you or follow the steps below to get started.
Make sure your application goes smoothly by reading our lending criteria guide. This page contains information on your income and outgoings, what documents we’ll need to see and what we consider before you apply.
Find out more about the products we offer (our search tool at the top of the page will allow you to quickly find our First Time Buyer mortgage products):
If you’re still not sure, you can read our guide on mortgage product types.
Get a lending decision or ‘Approval in Principle’ from us in just 10 minutes.
Complete your full mortgage application .
Our online mortgage applications are offered without advice but it’s easy to speak to someone if you need to:
Some of our First Time Buyer mortgages come with added benefits, helping you to take the first step on the ladder. These include:
Other incentives may also be available - please look at the individual products for details. Only one applicant needs to be a first time buyer to qualify.
If you want to come out of a First Time Buyer mortgage before the end of the special rate period, Early Repayment Charges will apply. Please see the individual product pages for details.
The benefits above apply to our First Time Buyer Mortgages but you can choose other types too - such as offset and fixed rate mortgages.
If you are unclear what something means, our
Mortgage glossary can help.
Our online tool will provide you with a comprehensive summary of any product available to you, including the amount of the monthly payments and any fees which you must pay.
If you are looking to borrow any additional funds to repay debts, please phone our dedicated mortgage team on 0345 166 9242.