Helping you take your first steps on the property ladder
We understand that the journey to 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.
We offer a wide range of mortgage products to help you buy your first home and we can advise you on the most suitable mortgage for you. Some of our mortgages only require a 5% deposit and we also have family-assisted mortgages for those whose family can help out. We also offer a range of products that can help with the costs of buying a home, with features such as a free property valuation, no product fees or even cashback. Please check individual products for details.
On this site, you’ll find a range of tools and guides to help you navigate the home buying journey and tips on what to look for when viewing properties.
Introducing our First Time Buyer Coaches

A personal service
Throughout your mortgage journey with us, from helping with affordability through to issuing the application, 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.
Home insurance
SmartQuote is an easy and fast way to get a home insurance* quote. Answer five simple questions and SmartQuote does the rest. By using publicly available data sources, SmartQuote gives us all the information we need to give you a quote on the spot.
Getting started
The amount that you can afford to put down as a deposit will directly affect how much you will be able to borrow for your mortgage.
If you don’t yet have a deposit to put down on your first home, we have a range of savings products that can help you save. Have a look at our saving for your first home page.
If you’re buying a home using a gifted deposit from your parents or other family members, we're here to help you too! Check out our gifted house deposits guide.
Before the search for your perfect first home begins, you'll need to know how much you can afford to borrow for your mortgage. This is important as some estate agents won't allow you to view properties with them until they know that you're likely to find a lender.
Our how much can I borrow guide explains how we calculate the amount that we could be willing to lend you, based on your income and monthly outgoings. Alternatively, you can use our simple online mortgage affordability calculator for an idea of how much you could borrow before you speak to us.
Once you have an idea of how much you can borrow, you can compare mortgage deals to decide which one would be most suitable for you.
There are several different types of mortgage deals on the market. This can sometimes make it tricky for you to know which one is the most suitable for you and your circumstances.
Our understanding different types of mortgages guide explains the available options for first time buyer mortgages and the features and benefits of each. You can then calculate the repayments you're likely to make on each type of mortgage with our quick mortgage repayment calculator.
It’s time for the exciting bit – looking for your first property! In our first time buyers' step-by-step guide to the house buying process, we break down the stages and typical timeline of buying a house.
This includes everything from how to make an offer on a house, the mortgage application process and home buyers survey information.
At this stage, it’s also worth considering what stamp duty you will pay on your new home, if any. Check out our everything you need to know about stamp duty guide.

View our complete range of mortgages
YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The adviser was outstanding in their customer care and went above and beyond to help me with my mortgage application. I cannot commend them highly enough.
You might also be interested in

The house buying process
Find out more

Understanding stamp duty
Find out more

Lifetime ISA
Find out more
Ready to arrange an appointment?
Complete our online form to request an appointment with one of our mortgage advisers.
Book an appointmentLet's talk
Speak to one of our friendly mortgage team about your options.
0345 606 4488
Our lines are open 8am - 6pm, Monday to Friday. Calls to 03 numbers cost the same as a call to a standard ‘01’ or ‘02’ landline number, even when calling from a mobile. Contact your provider for more information.
YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
*Buildings and contents insurance is arranged by Newcastle Building Society and underwritten by Liverpool Victoria Insurance Company Limited. To get a quote and apply online you will be transferred to their website. Their terms and conditions and cookie policy may differ from Newcastle Building Society’s so please read them carefully.