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First Time Buyers mortgages

First time buyers

Get that First Morning feeling
with our First Time Buyer mortgages.

Early Repayment Charges apply and other fees and charges may apply.

How could we help you buy your first home?

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.

1. Work out how much you can borrow

Use our mortgage calculators to find out how much you could borrow and how much the repayments could be.

2. Read our guide to lending

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.

3. Find a mortgage

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.

4. Get a lending decision

Get a lending decision or ‘Approval in Principle’ from us in just 10 minutes.

5. Apply for the mortgage

Complete your full mortgage application .



Need more help?

Our online mortgage applications are offered without advice but it’s easy to speak to someone if you need to:

First Time Buyer incentives

Some of our First Time Buyer mortgages come with added benefits, helping you to take the first step on the ladder. These include:

  • Cashback on selected products. The individual product details show which products come with cashback.
  • No product fees on some of our First Time Buyer mortgages. All fees including the product fee where applicable, are detailed on the product pages.
  • Free standard valuation. On some of our mortgages we’ll cover the cost of a standard valuation – please note, this excludes second or subsequent valuations and does not include homebuyer’s surveys, building and structural surveys or specialist reports. If you decide to change the loan amount you need after the valuation has been carried out, you may be asked to cover the costs of a new valuation.

Some things to bear in mind

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.


Help & support

Your questions answered

You might also be interested in

Key Facts Illustration (KFI)

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.