First Time Buyers


So you’re thinking about buying your first home? Let us help guide you to your front door.

That first step on the property ladder can feel like the biggest step. You may feel a little unsure and need some guidance? Maybe you're looking to see how much you can borrow? You might just want to talk to someone or maybe you're ready to apply for your first mortgage?

  • We can help you whatever stage of the journey you're on:
  • Take a look below at our mortgage guides
  • Visit our mortgage calculator to see how much you can borrow
  • Take a look at the mortgage products below, which may be of interest to you as a first time buyer
  • Find out what Help to Buy - Wales is and how that might help in buying your home 
  • And if you just want to talk or if you're ready to apply for your first mortgage, you'll find our contact details at the bottom of the page

Mortgage Guides

First time buyer mortgage guide
Arranging a mortgage can seem daunting, but it doesn’t need to be. We show you how in our step by step guide. Buying your first home needn't be complicated. We answer your questions in our helpful first time buyers guide. 

Your mortgage guide
Your Principality mortgage guide has been designed to help and guide you step-by-step through the mortgage application process. 

Guide to different types of mortgage
We guide you through the product options for your mortgage 

Guide to arranging your mortgage

  Initial rate Until Then standard variable rate Overall cost for comparison (APRC) Product Fee Mortgage Commitment Fee  
95% LTV Fixed Rate Mortgage 4.15% 30/11/21 4.74% 4.6% £0 £0 More details
95% LTV Fixed Rate Mortgage 3.65% 30/11/18 4.74% 4.7% £0 £0 More details
95% LTV Fixed Rate Mortgage 3.85% 30/11/19 4.74% 4.6% £0 £0 More details
75% LTV Fixed Rate Mortgage 3.9% 30/11/21 4.74% 4.5% £0 £0 More details
75% LTV Fixed Rate Mortgage 2.7% 30/11/18 4.74% 4.5% £0 £0 More details

Your home may be repossessed if you do not keep up repayments on your mortgage.

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