First time buyer mortgages

If you’re thinking about taking your first step on the property ladder, we’re here to help you achieve your home ownership dream.

We understand that raising a deposit is easier said than done, especially if you don’t have much in the way of savings. That’s why we offer mortgages for people with small deposits and big dreams – even if you only have 5%.

And because we know that behind every mortgage application is a real person, we individually assess every application. So if there’s a way to make it happen, we’ll find it.

Ask your broker about our low-deposit mortgages today.

Here’s the detail:

We have 2 and 5 year fixed rates available and we’ll lend up to 95% loan to value (LTV), which means you only need to raise 5% of the total property price. *

We offer mortgages supported by the government’s Help to Buy: equity loan England and Help to Buy: equity loan London schemes, for new build homes.

We’ll lend if you’re aged 21 years and over, and your mortgage can be paid back up to a maximum term of 40 years.

*Our LTV for new build houses is 90% and 85% for new build flats. The maximum amount we can lend to you is based on your LTV calculation, income and expenditure, and the mortgage products available to you.

All our mortgages are subject to eligibility and affordability.

We only offer mortgages through intermediary brokers

If you’re looking for a new mortgage with us, please contact your broker. They’ll be able to discuss your individual circumstances to help you find the right mortgage for you.

You can find a mortgage broker by searching online or by asking friends or family for personal recommendations. Don’t forget to check they're registered with the FCA. You can do this by visiting register.fca.org.uk

Want to find out more about what a broker does and how they can help you? Read our 10 reasons to use a broker article or watch the rest of our videos in our Why use a broker? series on YouTube.

Getting mortgage ready

Play video

Get yourself mortgage ready

Are you ready to take your first step on the property ladder? Then now’s the time to get mortgage ready. Mortgage broker, Darren shares his top tips in this video.

Play video

Advice for first time buyers

Want to hear about some of the stumbling blocks to look out for along the way? Watch to find out more.

Home owner mortgages

We understand how important home is, and we’re here to help home buyers find...

Subject to status. Credit will be secured on your home. Your home may be repossessed if you do not keep up repayments.