First time buyer mortgages.

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.

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.

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.

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.

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


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.


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.

You can call us on 0345 850 3705 or come into branch.

Book 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.