Update on our lending policies : In our response to COVID-19, for the time being we are unable to accept mortgage applications above 85% Loan to Value, please visit our COVID-19 page for future updates.
We’ve helped thousands of people enjoy their First Morning in a new home and you could too with a First Time Buyers Mortgage. Follow the steps below to get started or alternatively, use our First Time Buyer search tool to find the right mortgage for you.
Before you apply, make sure you read our lending criteria guide. This will give you information on consider for a mortgage application and what documents you may need to provide.
Find and compare our mortgage products (the search tool above will let you quickly find our First Time Buyer mortgage products):
If you think you still need some help, you can read our guide to mortgage types. on mortgage product types.
You can 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:
Please look at individual product details for our mortgages to see what other incentives may be available. Only one applicant needs to be a first time buyer to qualify.
You should be aware that Early Repayment Charges will apply in the event that you want to come out of a First Time Buyer mortgage before the end of the special rate period. 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.