First time buyers

PLEASE NOTE:

We are currently only accepting new mortgage applications up to 70% loan to value (size of mortgage in relation to the value of the property.)  Existing borrowers looking to transfer their existing mortgage can do so at a higher loan to value, subject to product terms and conditions. 

Maximum loan to share for Shared Ownership mortgages remains at 95%.

We are not accepting new Self Build or Holiday Let mortgage applications. Please contact us for further information. 

If you’re a first time buyer, we’d love to help you climb onto the property ladder. 

Buying a home is the single biggest purchase most people will ever make, so it’s important to get it right. Our range of mortgages includes products specifically designed to help first time buyers, including Shared Ownership and Help to Buy Equity Loan mortgages.

Why choose us?

• We have products with a minimum 5% deposit
• We accept gifted deposits for first time buyers
• We guarantee that you will always be able to speak to a person, not a computer, in a free, no obligation meeting to discuss your needs
• We can arrange a telephone or video appointment to suit you
• We will consider your previous and current circumstances   

First time buyer hub

A range of articles and guides to help you prepare for buying your first home.

Shared Ownership or Help to Buy?

The differences between the two popular affordable housing schemes.

Four things that could kill your credit score

It's best to get your credit score in good shape in advance of making a mortgage application.

Member story: joint-borrowing was key to opening the front door

Discover how a mother helped her daughter step onto the property ladder.