Where to start? What to save?

Where to start? What to save?

Homebuying is a long process, and it starts well before you think. We can help you improve your knowledge and build your deposit while still renting.

Top tips for saving for your deposit

Mortgage deposits explained

Gifted deposits

How much does it cost to buy your first home?

How does a mortgage work?

Home Buyer Events

Mortgage eligibility explained

Could you skip a starter home?

First time buyer guide

First time buyer guide

Find out everything you’ll need to know when buying your first home with our simple guide.
First time buyer guide First time buyer guide

What can you afford and starting to look

What can you afford and starting to look

You’ve managed to save up a healthy deposit, well done. Now it’s time to see what you can afford and begin your house hunt. We have the tools to help with that.

Mortgage calculator

Agreement in principle explained

House Price Index

Questions to ask when buying a house

Types of mortgages

What is stamp duty?

What is freehold vs leasehold?

Ready to start searching for your dream home?

Ready to start searching for your dream home?

An Agreement in Principle (AIP) will give you an idea of how much you might be able to borrow.

Agreement in Principle Agreement in Principle

Making an offer

Making an offer

Finding your dream first home is exciting but making an offer can be a nerve wracking process. We’ve provided you with all the information you need to go into this process with confidence.

How to apply for a mortgage

Book a mortgage appointment

What happens if you’re turned down for a mortgage?

What is gazumping?

Your offer has been accepted

Your offer has been accepted

Congratulations on being accepted! You’ll now need to think about your move in day.

Explaining exchange of contracts

Hire a conveyancer

Moving house checklist

You’re all moved in

You’re all moved in

Home hubs

Pop into a Halifax Home Hub for a chat with a mortgage expert. Try our interactive mortgage tools and find out more about our free first time buyer events.

Find a home hub

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