First time buyer guide

Buying your first home is one of the most exciting things you’ll do. There is so much to think about, including finding the right mortgage. Make the right choice, first time.

Halifax again won the What Mortgage 2019 award for ‘Best Mortgage Lender for First Time Buyers’, so you’ll be confident you’re in safe hands.

We also have a monthly prize draw – find out if you’re eligible and how to register.

Our first time buyer guide will take you through the entire mortgage process, in an easy to understand way.

Help at every stage

Step by step, we’ll go from saving for your deposit right through to getting the keys to your new home.

That includes your mortgage options, what help you can get, the types of interest rate there are, tips for house hunting and information about conveyancing. We’ll even explain all the jargon.

Getting started

Applying for your first mortgage? It’s not just about getting the best rate. Here’s what you need to know, including saving for your deposit and the help available to buy your first home.

House hunting

Finding your dream home takes time. But there are ways to make the journey easier. Make sure you’re doing the right things to get there.

Making an offer

You’ve found your new home, so what's next? Find out about making an offer, getting ahead with estate agents, negotiating with sellers, the legal and conveyancing side, and what happens next.

You've got the keys

We’ve got some tips for planning your move, but it doesn’t end there. There’s still things to do once you’ve moved in, like managing your mortgage and monthly payments, protecting your new home, or even making home improvements.

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

What Mortgage Awards 2020 winners

Want to talk it over?

You can speak to one of our mortgage advisers in person, or chat things over on the phone.

Contact us

Mortgage Calculator

Use our mortgage calculator to see our current mortgage deals. You can get an idea of how much you could borrow and compare what the monthly payments will be.

Mortgage calculator