Read our guide to buying a house.
Start your journey to getting the keys to your first home. Find out how much you might be able to borrow, and learn more about our mortgages, saving for a first home and government schemes.
Work out how much you might be able to afford to borrow, based on your income and outgoings
Take a look at our range of mortgages which might be useful to get you on the property ladder.
Ready to make an offer on a property? Request a Decision in Principle.
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First time buyers Tom and Hannah share their top tips for saving for a deposit.
Help to Buy Equity Loans is a government scheme designed for new-build properties to help you to own your first home or to move up the property ladder.
The government lends you up to 20% in England and Wales, 15% in Scotland and 40% in London towards the cost of your home, so you'll only need a cash deposit of 5% of the sale price (or 10% if you're buying in Scotland) and a 75% mortgage to make up the rest. Help to Buy Equity loans are only available if you meet the eligibility criteria and you're buying a new-build home. You can find out more about the government Help to Buy equity loan scheme on the government's website below.
Help to Buy for England and Wales
Help to Buy for Scotland
Shared Ownership allows you to buy a share of the home and pay rent for the rest. This means you take a smaller mortgage, so the deposit required is lower. However, you need to make sure you budget for your monthly mortgage payments plus the rent.
Want to find out more about Shared Ownership? Read our handy guide.
Work out how much you might be able to afford to borrow, based on your income and outgoings.
If you've already got a Decision in Principle or prefer to request one over the phone, speak to our mortgage team on
We have a range of mortgages available to first time buyers.
For some it’s proximity to schools. For others it’s the commute to work.
Take a closer look at what a mortgage is and the different types you can get.
If you're saving for your first home, here are our top tips to help you save more.
We're proud to have been named Best National Building Society in the 2020 What Mortgage Awards for the 7th year running, following four month's of consumer voting.
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