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First-time buyer mortgages

Get your foot on the property ladder with our range of mortgages

Start your journey to your first home

We're here to help you open the door to a place of your own. With low-deposit mortgages, our latest rates, online tools and handy guides, we make it easier to find a mortgage.

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

Tools to help you choose

Not sure which mortgage is right for you?

Use our calculators to work out what you could borrow or your monthly payments.

Choose a mortgage

Take a look at our latest rates or find out more about buying your first home.

Why choose us

  • Make overpayments
    This can reduce the size of your mortgage (subject to your mortgage terms).
  • Fee saver mortgages
    There's no booking fee on selected mortgages and all come with a standard valuation at no extra cost.
  • Borrow up to a 40-year term
    Choose your length of term – up to 40 years, so your monthly payments can suit you.
  • Apply by phone or online
    You can speak to one of our mortgage advisors or apply online.

Find out how to apply

Starting your journey to becoming a homeowner with us is easy.

First, you'll need a Decision in Principle – we’ll explain how to do this over the phone or online.

Then, we'll let you know what you’ll need to do for your mortgage application.

Our mortgage advisers will be happy to offer you advice over the phone.

Already started applying? Pick up where you left off.

Frequently asked questions

You might also be interested in

 

Helping first time buyers get on the property ladder. 

 

What you need to know: from saving for a deposit to exchange and completion.

It's easy to answer your query online. Visit our Help page to find out how.