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First-time buyer mortgages

Get your foot on the property ladder with our range of mortgages

Start your journey to your first home

We're here to help you open the door to a place of your own. With low-deposit mortgages, our latest rates, online applications and handy guides, we make it easier to find a mortgage.

  • Make overpayments
    You can make overpayments so you can reduce the size of your mortgage (subject to your mortgage terms).
  • Borrow up to a 40-year term
    Choose your length of term – up to 40 years, so your monthly payments can suit you.
  • Fee saver mortgages
    We’ve got a range of mortgages with no booking fee, and all our mortgages come with a standard valuation at no extra cost.
  • Apply by phone or online

    You can speak to one of our mortgage advisors or apply online.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Find out how to apply

Starting your journey to becoming a homeowner with us is easy. First, you'll need a Decision in Principle – we’ll explain how to do this over the phone or online. Then, we'll let you know what you’ll need to do for your mortgage application.

Our mortgage advisers will be happy to offer you advice over the phone.

If you've started your application already, you can pick up where you left off, or update it online at any time.

Frequently asked questions

You might also be interested in


Find out more about the steps involved in buying your first home.


Compare our latest mortgage rates and understand our fees.


Use our quick calculator to see how much you could borrow.


Helping first time buyers get on the property ladder. 

It's easy to answer your query online. Visit our Help page to find out how.