First Time Buyers

Make your first house a home

Helping you make your first move

We've been helping Members get on the property ladder for more than 150 years. That ladder may have changed a lot since then, but buying a house can still be just as confusing. So no matter what stage of the process you're at, from saving for a deposit to choosing a survey, we're here to help in any way possible. 

Here are just a few of the ways we can help:

  • Pick up our 'Complete guide to buying your first home', for an easy to follow step-by-step breakdown of the whole home buying process. 
  • Check out our First Time Trier videos crammed full of useful tips for prospective homeowners. 
  • Use our mortgage calculator to find out how much you can borrow. 
  • Take a look at our mortgage products below, to see which one might suit you. 
  • Find out what Help to Buy - Wales is and how it might help you buy your first home. 
  • We understand that there's a lot to take in. So if at any time you'd like to talk through your options in person, simply pop in to your local branch or call us on 0330 333 4000 to talk to one of our friendly customer consultants. 

First Time Trier

Need help finding your first home? 

Saving up to buy your first home? Arranging a mortgage and buying a home can seem daunting, but we break down the barriers in our easy-to-understand video guides, infographics and more. 

  Initial rate Until Then standard variable rate Overall cost for comparison (APRC) Product Fee Mortgage Commitment Fee  
90% LTV Fixed Rate Mortgage 2.05% 28/02/21 5.05% 4.7% £895 £0 More details
90% LTV Fixed Rate Mortgage 2.45% 28/02/21 5.05% 4.7% £0 £0 More details
90% LTV Fixed Rate Mortgage 2.50% 29/02/24 5.05% 4.2% £1395 £0 More details
90% LTV Fixed Rate Mortgage 2.65% 29/02/24 5.05% 4.2% £0 £0 More details
95% LTV Fixed Rate Mortgage 3.10% 28/02/21 5.05% 4.5% £0 £0 More details
95% LTV Fixed Rate Mortgage 3.5% 31/01/24 5.05% 4.5% £0 £0 More details


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