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Helping you buy your first home

We know how difficult it can be to get out of renting. We've been helping people buy their first home for over 175 years, it's what we're good at, and we've even won awards for it.

We've been awarded First-Time Mortgage Buyers' Choice at the Moneyfacts Consumer Awards in 2024 and 2025.

Moneyfacts Awards 2024 - First Time Buyers' Choice

Ready to speak to a mortgage adviser?

Fill out the form at the bottom of this page to request a callback from one of our mortgage advisers. They’ll give you a call to have a chat about how we may be able to help you.

Request a callback

Buying your first home is a huge step

We know it can feel a little daunting, so we've broken it down into three steps to help you get started.

1. See how much you could borrow

A great place to start is to see how much we could lend to you. All you need to do is answer a few questions about your income and how much you spend.

This mortgage calculator only gives you a guide. It isn't a formal mortgage offer, but will give you an idea of what you may be able to borrow.

Find out how much you could borrow

2. Check to see if we can give you a mortgage

Now you know how much you could borrow, let's check if you're eligible to apply for a mortgage with us.

We can offer you a mortgage if:

  • You're at least 21 years old and anyone else applying with you is at least 18.
  • You won’t be over 75 at the end of the mortgage term.
  • The mortgage term you want is between 5 and 40 years – no shorter or longer.
  • You can give us the address details of where you have lived for the last three years.
  • You can give us proof of your income.
  • You don't have a bad credit history.

The type of property you want to buy:

  • Is in England or Wales.
  • Isn’t going to be rented out.
  • Isn’t one of the types listed here.

3. Chat to us

Now you have an idea on how much you might be able to borrow and that you're eligible to apply, let's have a chat.

We know everyone's circumstances are different, so it's useful to talk to see how we can help you.

Request a callback using the form below and one of our mortgage advisers will give you a call.

Request a callback

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