First time buyer mortgages

Buying your first home can be a big step. Our online mortgage calculator will give you a rough idea of how much you could borrow, and how much it could cost each month.

The Halifax brand is changing to Lloyds

You can still apply for a Halifax mortgage online, or with one of our experts. Any applications you've already started will continue.

Managing your mortgage with us remains easy, and you'll keep getting free advice and support from the biggest team of mortgage and protection advisers in the market.

What it means for mortgages

Learn about the brand change.

Start your mortgage journey online

Mortgage Calculator

If you're searching for your first home, you’ll need to find out how much you could borrow, and how much your mortgage could cost each month.

In just a few minutes, our online mortgage calculator will give you a rough idea and show you our current mortgage rates.

 

Mortgage calculator

Agreement in principle (AIP)

An AIP confirms how much you may be able to borrow, before you apply for a mortgage.

  • Show estate agents you’re ready to make an offer on your first home.
  • Having an AIP ready if you speak to a mortgage and protection adviser could speed up your application.
  • Applying for an AIP has no impact on your credit score.

Find out more information about AIPs.

 

Agreement in principle

Your personalised mortgage dashboard

Log in to your personalised mortgage dashboard to pick up where you left off. Use the simple step-by-step guide to find the right deal for you and keep track of your progress all in one place.

Log in

Help getting on the ladder

Mortgages with a 5% deposit

A 95% mortgage means you only need a 5% deposit for your home. This means you could save up your deposit quicker and get on the property ladder sooner. 

Find out if you qualify

First Time Buyer Boost

Boost how much you can borrow for your first home by up to 22%.

Conditions apply.

Check if you could benefit

£5k Deposit mortgage

From 18 May 2026, if  you're a first-time buyer, you could get on the property ladder with just a £5,000 deposit.  

£5k Deposit mortgage

Need support with your deposit?

First Home Deposit Gift

Your family member can borrow more on their Halifax mortgage and gift it towards your deposit. It can cover all or part of your deposit and when they gift you, we’ll gift them.

Once you complete on your first time buyer mortgage with us they’ll receive a £500 cashback reward.

Learn more

Family Boost Mortgage

Your family gives a 10% deposit. If payments are on track, they get their money back with interest after 3 years.

Conditions apply.

Full details and conditions

You could lose your home if you don’t keep up your mortgage repayments

Let’s take a closer look

First-time buyer offers and schemes

Lloyds Premier mortgages offer

Halifax and Lloyds are part of the same family.

Lloyds Premier current account customers could get a discount off their initial Halifax mortgage rate.

At least 1 applicant needs to earn £100,000 or more annually to access the discounted rate.

You can start your application online or you can call us.

Offer can be withdrawn at any time and product conditions apply.

Greener home offers

If your new home has an A or B Energy Performance Certificate (EPC), you could qualify for a £250 cashback reward.

You could also get cashback of up to £2,000 for making qualifying home improvements, like insulation, solar panels, or a heat pump. We can even help with installation.

Terms and conditions apply. Offer can be changed or withdrawn at any time.

Go to green-living offers

Government schemes

We support a range of government-backed schemes such as the First Homes schemes, Help to Buy: Equity Loan and shared ownership.

See if there's a scheme that could help you buy your first home. 

More about government schemes

First-time buyer help and guidance

 

My First Home

From first steps to making an offer and buying with confidence, My First Home offers in-app personalised support.

Set your deposit, understand home-buying costs and get a clear picture of what you can afford, all in one place.

My First Home

First-time buyer guides

From credit scores to saving for a deposit and making your application, get top tips with our expert guides.
 

Get first-time buyer help

Neighbourhood Guide

We know that a home is more than just a property, it’s the feeling a place gives you. Use our Neighbourhood Guide to search for a location and find out what you want to know about the local area. 

Search a neighbourhood

Our Mortgage Service Commitment to you

Get a mortgage decision in around 10 minutes

Complete an agreement in principle online. Using your income and outgoings you’ll see how much you could borrow from us with no impact on your credit score.

Get your AIP

Apply when and how you want to

It’s easy to apply for your mortgage online, anytime. Or speak to an expert within 5 days, by video or phone - with appointments available 8am to 8pm weekdays and 9am to 4pm on Saturdays.

Mortgage appointments

Experts in mortgage and protection

Free advice and support from the biggest team of mortgage and protection advisers in the market. With an average of over 10 years of experience.

 

Stay in control of your mortgage journey

Track and manage your mortgage application online with your own mortgage dashboard. Upload documents, pick valuation options and get support, all in one place.

Track your application

Get started
 

Manage your mortgage easily in the app

HelloHome on the app lets you track your rate and payments. Learn about your property value and equity. Even switch and save on household bills.

Say ‘hi’ to HelloHome

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Saving for a deposit

Learn more about saving for a deposit and how to get there faster.

We can help you improve your knowledge about deposits, and building good savings habits, even while you’re still renting.

Saving for a deposit

First-time buyer guide

There’s a lot to think about when buying your first home. Our first-time buyer guide explains the entire mortgage process in an easy-to-understand way.

Get to know more about the steps involved – from finding your first home to moving in.

First-time buyer guide

Free first-time buyer events

We host free, online educational events with our first time buyer experts to help you understand everything you need to know about buying your first home.

You don’t need to be a Halifax customer or even at the house hunting stage to attend. Everyone is welcome!

Our free events

Mortgages

Find and apply for the right mortgage with a little help from us. Whether you want to take that first step or plan your next move, your search starts here.

Mortgages

Mortgages

Find and apply for the right mortgage with a little help from us. Whether you want to take that first step or plan your next move, your search starts here.

Mortgages