First time buyers

Helping you take your first steps on the property ladder

Buying your first home is exciting, but there are lots of things to think about and it's easy to feel lost. Don't worry, we're here to help.

To help you buy your first home, we have a wide range of mortgage products. Some of our mortgages only need a 5% deposit and we also have assisted mortgages for those whose family or friends can help out.

We even have a First Step mortgage which allows borrowing up to 98% LTV, with a minimum non gifted deposit of £5000. To find out more visit out First Step page. 

To help with the costs of buying a home, some of our mortgages offer a free property valuation or no product fees. Please check each product for details or speak to us for more information. 

Lending approval is subject to affordability review and meeting our lending policy criteria. 

First Time Buyer Coaches

We have a team of First Time Buyer Coaches who can help guide you on your journey to owning your own home. Our coaches will support you through the whole process, from saving for a deposit all the way through to getting the keys to your first home.

A personal service

Throughout your mortgage journey with us, from helping you in assessing affordability, you have one dedicated point of contact. All of our team are friendly and personable and you will have direct access to them.

Flexibility and individuality

Your application isn’t reviewed by a computer; we have a team of underwriters who work closely with your mortgage adviser to review your personal situation and circumstances. This allows us to be flexible and efficient when making a decision.