First time buyer mortgages.

Once you’ve found your first home, we’ll help make it affordable with our great mortgage rates.

If you’re struggling to save a deposit, our Family Boost Mortgage provides a leg-up for first time buyers and their families. Learn about the full Family Boost details and conditions

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 3705 (Monday to Friday 8am-8pm, Saturday 9am-4pm. We take a break Sundays and Bank Holidays).

You can also book time to see us in branch.


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.