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First time buyer

Helping you to secure your home and mortgage

Buying your first home is an exciting time and likely to involve some of the most important financial decisions you'll ever make. However, we're here to help and the process doesn't have to be difficult. 

Key steps to buying your first home

1. Get informed

Getting the right information and meaningful advice is critical, so we've pulled together the most important things you need to know in our first time buyers guide to help you on your journey to becoming a homeowner.

2. Know your numbers - find out how much you could borrow

Get a quick indication of the maximum you could borrow, please note this doesn't factor in your individual circumstances and we strongly recommend you follow this up with a Decision in Principle.

We offer mortgages up to a maximum of 95% Loan to Value (LTV) if you’re purchasing a property. Find out more here

3. Get a Decision in Principle

A Decision in Principle (DiP) is an accurate indication of your borrowing potential, and is a useful marker for estate agents when you're viewing properties.

The DiP is not binding – it's not a guarantee that we will lend to you, nor does it mean you must borrow from us. It helps you to understand your borrowing potential based on what you tell us and our security checks, including a soft credit check.

We'll need to make an enquiry against your credit history, however, this is not a full credit check and won't appear on your credit file.

4. Find your property and make an offer

Once you've found the property you want and made an offer that's been accepted, it's time to apply for your mortgage. You can apply for a mortgage by making an appointment with one of our dedicated Mortgage Advisors who will provide you with advice and guide you through your application. Or if you already know which mortgage you wish to apply for you can complete your application entirely online, however you will not receive advice.

Contact us

How to apply

New Application

Applying for a mortgage involves two stages, firstly getting a Decision in Principle; secondly making a mortgage application.

Already started an application?

If you started a mortgage application over the phone, in branch or online, you can login to complete it or track its progress. 

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

 Lines open Monday to Friday 8am - 9pm, Saturday 8am - 8pm, Sunday 9am - 6pm. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

We're here to help you. Find the answers and while you're at it, tell us how we could do better.