• First time buyers

    There's nothing like buying your first home. And for people across Britain, it's a dream we could make real.

    If you're not sure where to start, you can use our mortgage calculator to get an idea of the amount you could borrow and to view the products we offer.

  • mq test
    Applicant 1
    £
    £
    £
    Applicant 2

    £

    £

    £

    Your income must be above £1000.

    Both incomes must be above £1000.

    To continue, please enter an annual income for at least one applicant.

    £
    £
    To continue, please enter your property value using only numbers.
    To continue, please enter your deposit using only numbers.
  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

  • Home buyer guide

    A quick overview of the home buying process and how to prepare for a mortgage application

    Home buyer's guide

  • First time buyer guide

    A detailed guide to buying - from saving for a deposit and applying for a mortgage to making an offer and appointing a solicitor

    First time buyer's guide

  • How to apply

    If you are a first time buyer, home mover or looking to remortgage, you can apply for a mortgage promise

    Subject to status and lending criteria

    Already know the deal you want?

    Call us on 0800 056 1088

    Select option 2, option 2, option 3 followed by option 2.

    Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

    Need a little help to decide?

    Apply in branch

    Find out what to take along

    Need to discuss your options?

    We can call you

  • Mortgage deals for first time buyers

  • 2 year fixed rate

    After your first payment, your regular payments will stay the same each month for the agreed period with a 2 year fixed rate.

    • Mortgages available from 5% deposit

    View details and start application

  • 5 year fixed rate

    After your first payment, your regular payments will stay the same each month for the agreed period with a 5 year fixed rate.

    • Mortgages available from 5% deposit

    View details and start application

  • Fix and Flex

    The ten year fixed rate mortgage you're free to leave after five.

    Could help you manage your repayments in the long-run, without the long-term tie-in.

    • Mortgages available from 5% deposit

    View details and start application

  • 10 year fixed rate

    After your first payment, your regular payments will stay the same each month for the agreed period with a 10 year fixed rate.

    • Mortgages available from 25% deposit

    View details and start application

  • 2 year tracker rate

    The 2 year tracker you’re free to leave at any time. This rate tracks a percentage above the Bank of England Base Rate (BBR), so your monthly repayments will go up or down depending on how the BBR moves.

    View details and start application

  • Before you apply

  • Did you know you:

    • Must be at least 18 years old to apply for a mortgage
    • Can apply for a mortgage on your own or for a joint mortgages
    • Can get an agreement in principle before you've found the place you want to buy
    • Lending limits are subject to the availability of suitable products at any given time and the ability to undertake either an Automated or Desktop Valuation whilst it is not possible for valuers to gain access to properties
  • Questions? Ask for a call back

  • How to apply

    We need to talk you through your mortgage application, but you can save time by starting the process online. It'll take about 20 minutes, and then one of our mortgage experts will call you back at a time to suit you to complete the process. Or you can call us and speak to an adviser directly, or book an appointment to see one of our advisers at your nearest branch.

    You'll need to have the following details to hand:

    • Your last three months' payslips
    • Your last three months' bank statements if you want any other income to be considered (for example rental or investments) and as a reminder of your outgoings
    • If you already have an existing mortgage elsewhere, your last year's mortgage statements
    • If you're applying for an interest-only mortgage, any repayment vehicle details that you want to use (e.g. endowment policy, investments, ISAs)
    • If you're self-employed, three years' self-assessments
    • If your mortgage is to extend past your stated or state retirement age, up-to-date forecasts for any state, company and personal pensions
    • And, if you've already got your heart set on a property, bring along the sales particulars
    • Details of any loans you currently hold, including student loans and car payments
  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

icon

Register for mobile banking

We’re open anytime and anywhere. Take care of your day-to-day banking when you need to.

Set up mobile banking 

icon

Issues logging in?

Follow our step-by-step tutorial to get back online from the safety of your home.

View tutorial 

icon

Need to visit us? Visit our FAQs

If you need help with something specific, let us know what it relates to or search a topic.

Go to help page