First time buyer mortgages.

Looking to buy your first home? Getting onto the property ladder can be a big step. Let us help you get the keys to your new home.
Our range of mortgage deals are here to help you get on the move if you’re a first time buyer.

Step 1

Buying your first home?

Our first time buyer guide covers everything to think about when looking for a home and applying for a mortgage.

First time buyer guide

Step 2

How much could you borrow?

Use our online calculator to get an idea of how much you could borrow, see current interest rates and compare monthly payments.

Mortgage calculator

Step 3

Start viewing properties

You'll need an Agreement in Principle. There's no charge for this, and no obligation to apply for a mortgage with us.

Agreement in Principle

Your home may be repossessed if you do not keep up repayments on your mortgage.

Your chance to be mortgage-free. Amaaaazing!

Find out about our Mortgage prize draw, if you’re eligible and how to register. Mortgage prize draw rules apply.

Mortgage prize draw

Agreement in Principle explained

  • It should take no longer than 15 minutes
  • There's no obligation to apply for a mortgage with us
  • No effect on your credit rating even if you're declined

Once you have an offer accepted on a property, you'll need to complete a full mortgage application to confirm how much you could borrow.

Apply for an Agreement in Principle

Watch our video - why get an Agreement in Principle?

Step 4

Had an offer accepted on a property?

Make sure you’ve completed your Agreement in Principle with us. Then you’ll need to speak to one of our mortgage advisers to continue with your full mortgage application.

Want to speak to us from the comfort of your own home? You can talk to us over the phone or on a video call.

Call us on 0345 850 0248 (Monday to Friday 9am - 8pm and Saturday 9am - 4pm)

Find out more about booking a branch appointment

Help to Buy government schemes

Help to Buy - Backed by HM GovernmentHalifax supports a range of government backed initiatives that could help you buy a home. These include:

  • Help to Buy: ISA
  • Help to Buy: equity loan
  • Forces help to buy
  • Right to buy

Your home may be repossessed if you do not keep up repayments on your mortgage.