First Time Buyer help

If you're buying your first home we have all the help and advice you need around taking your first step on to the property ladder. 

Find out what you need to know about the mortgage process with our first time buyer guide. Learn what to look for in a property, discover how to apply and what types of mortgages are out there with our handy articles.

Getting started

Applying for your first mortgage? Find out how they work with our complete guide to the mortgage process.

First time buyer guide

Your ultimate guide to buying your first home! Find the complete journey here, step-by-step. 

First time buyer guide

How does a mortgage work?

Find out how a mortgage works and how you would pay one back here.

How mortgages work

What is a mortgage deposit?

You will need a deposit to buy a home. Find out how they work and how much you might need.

Mortgage deposits explained

Types of Mortgages

Find out more about the different mortgage types on the market and how they work here.

Mortgage Types

Get credit fit

Before you apply for a mortgage, it’s good to know how you can improve your credit profile.

Get credit fit

First time buyer's toolkit

Buying your first property can be tricky. Make your life easier by using these handy tools.


Could you skip a starter home?

Do you need a starter home? Find out if this way of looking at homes is outdated here.

More on starter homes

Home Hubs

Drop into one of our Home Hubs to chat to a colleague, use our interactive mortgage tools or access our free home owning and lifestyle events.

Find a Home Hub

A Halifax Home Hub.

First time buyers events

We're running free online events for first time buyers. Our trained colleagues will be on hand with information about the home buying journey, practical guidance, video demos and much more. Our events cover:

  • Starting out - saving for a deposit and knowing how much you could borrow.
  • House hunting - where to start when looking for that dream home.
  • Completion - from surveys and valuations to conveyancing.
See our next events

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.

Agreement in Principle

Before you get a mortgage, you'll need to apply for an Agreement in Principle (AIP) first. Learn what they are and how to apply here.

AIP's explained

What questions should you ask when buying a house?

When you’re looking for your dream home, it can be hard to know what to look for. Find out the best questions to ask at a viewing.

Questions for buying a house

How much does buying a house cost?

There’s lots to think about when you are buying a new home. See the costs and fees you may pay here.

Buying a house costs

What happens if you're turned down for a mortgage

Firstly, don't panic! Find out why you may have been turned down here.

Learn more

Making an offer

You’ve found your new home, so what's next? Find out about how to apply for a mortgage, how Stamp Duty works and what happens at the exchange of contracts.

How to apply for a mortgage

Found a house but not sure how to apply for a mortgage? Find out how it all works.

Applying for a mortgage

Exchange of contracts explained

This is one of the last stages of buying a home. Learn what to expect when contracts are exchanged here.

Exchange of contracts

What is Stamp Duty?

You might not have to pay Stamp Duty if you are a first time buyer. Find out what it is and how it works here.

Stamp Duty

Freehold vs leasehold

Find out the main differences and similarities between freehold and leasehold properties here.

Freehold vs leasehold

What is home equity?

Home equity is affected by the value of your property and how big a deposit you paid. Find out how it works here.


What is loan to value ratio?

It’s important to know the loan to value ratio when you are buying a home. Find out how it works. 

More on LTV ratio

You've got the keys

We’ve got some tips for planning your move, but it doesn’t end there. There are still things to do once you’ve moved in. This includes paying back your mortgage, or making home improvements.

Mortgage overpayments explained

Find out what overpayments are and how they affect the interest you pay on your mortgage here.

Learn more

Checklist for moving house

Make sure you don’t forget anything on the big day. Use our checklist for a smooth moving day.

Moving house checklist

Moving vs Improving

If you’re not sure whether to move or make home improvements, we could help you decide here.

Moving vs improving

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

Calculators and tools

We have a range of mortgage calculators to help you:

  • Find out how much you could borrow from Halifax
  • See how much you could save if you make overpayments on your mortgage
  • Get an idea how a change to the Bank of England Base Rate could affect your monthly payments
Use our calculators and tools

Speak to someone

You can talk to us over the phone or use our mortgage video service from the comfort of your own home.

Contact us