First time buyer

Your first home awaits!
We can help you onto the property ladder.

Helping you buy your first home

This is the start of a very exciting journey to owning your first home. Congratulations on taking the first step!

We’d love to join you on your adventure to home ownership and we’re here to help fulfil your dreams. We know the process can feel overwhelming, but we’ll support you with everything from practical advice to a range of first time buyer mortgage rates.

Read our guide to buying your first home

I’m a first time buyer, how do I get a mortgage?

The first step to securing a mortgage is applying for a Decision in Principle (DiP). Also known as an Agreement in Principle or a Mortgage in Principle, a DiP will give you an idea of how much you could borrow, without affecting your credit score.

Once you’ve found your dream home, and you're ready to apply for a mortgage, our advisors will recommend the most suitable mortgage for you, if you meet our lending criteria.

How much deposit do I need, as a first time buyer?

What mortgages are available for first time buyers?

How much deposit do I need, as a first time buyer?

Can parents or family help with my mortgage?

Can retired parents help?

I’m using Help to Buy, can I get a mortgage with Furness?

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