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.

We understand how special this life milestone is to you. And that’s why we want to help take the stress out of the experience.

Our First Time Buyer Guide will take you through the entire mortgage process, in an easy to understand way. Step by step, we’ll go from saving for your deposit to getting the keys to your new home. That includes your mortgage options, what help you can get, and the types of interest rate there are. We’ll even explain all the jargon.

Help at every stage

Buying a house can seem like a long process, which is why we’ve broken it down into four main milestones.

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.

Learn more about how to get started

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.

Read about house hunting

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.

Find out about making an offer

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, or even making home improvements.

Learn about once you get the keys


Want to talk it over?

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

Call us on 0345 850 3705 (Mon-Fri 8am – 8pm, Sat 9am – 4pm) or you can book a branch appointment.


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