Why get a first time buyer mortgage from us?

Some of our mortgages come with added benefits. These include:


£2,000 cashback for first time buyers*

Available on selected 5% and 10% deposit mortgages.

Eligibility criteria and terms apply. Applications subject to standard lending criteria and all loans 

subject to status. Early repayment charges and other fees and charges apply.

*£2,000 cashback will be paid to your solicitor to pass on to you on completion.
The cashback will be paid per mortgage and if applying jointly, all applicants need to be first time buyers.

Free standard valuation

On selected deals

We’ll cover the cost of one standard valuation. If the loan amount changes after, you may need to pay for a second one.

No product fees

On selected deals

Some of our mortgages come with no product fees. Early Repayment Charges and other fees and charges may apply.

How to get a mortgage

Number 1

Decision in Principle (DIP)

Get a DIP to see how much you may be able to borrow.

You might need a DIP before you can view a property or make an offer.
Number 2

Mortgage application

Now you’re ready for a full mortgage application.

If you have less than 10% deposit, you’ll need to apply over the phone. 
Number 3

Mortgage offer

We’ll check your credit history and value the property.

If you are successful, you’ll receive a mortgage offer within 10-15 days.
Number 4


Once the legal work is done, you’ll exchange contracts and set a completion date.

This is when you’ll receive the keys to your new home.

Use our calculators

How much deposit do I need for a first time buyer mortgage?

How much you need to save depends on what Loan to Value (LTV) the mortgage deal has. For example, if the mortgage is a 90% deal, you'll need to have 10% of the property price. If it’s 80%, you'll need at least 20%.

Want help? Use our deposit calculator to see how much you’ll need to save.

How much can I borrow?

Try our borrowing calculator to see how much we may be able to lend to you.

How much will my repayments be?

Use our repayment calculator to see how much your mortgage may cost each month.

What type of mortgage can I get?

As a first time buyer, you can pick between:

  • Fixed rate – The interest rate stays the same for a set period of time, usually 2, 3, 5 or 10 years.

  • Tracker – The interest can go up and down. The rate “tracks” against another rate, usually the Bank of England base rate. If the rate goes up or down, the cost of your mortgage goes up or down.

Things to be aware of

Early Repayment Charges may apply. Check the terms of the mortgage deal for details. Read the details of each mortgage deal carefully, to check you’re happy to agree to the terms.
Couple in doorway

Learn about mortgages

There’s a lot to think about when you’re applying for a mortgage.
Read our guides to find out more.

Call us or book an appointment

Speak to one of our friendly advisers about your options.

9am - 5pm Mon-Fri
9am - 1pm Sat