First time buyers

Buying a home is the single biggest purchase most people will ever make, so it’s important to get it right.

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

Bank of Mum and Dad

How parents or family members can help you become a first time buyer.

Tips to improve your credit score

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

Is Shared Ownership the key to your first home?

Our helpful article describes what Shared Ownership is and how it works.