First Time Buyer

Buying your first home is an exciting time and we’re here to help you every step of the way.  We have a wide range of products for you to choose from and being a First Time Buyer you may be particularly interested in our low deposit mortgages where you can get started with just a 5% deposit.

There’s lots of things you’ll need to know and to give you an idea of what you can afford you’ll find the tools here very handy to help you find out how much the mortgage repayments will cost and by using our budget planner you’ll find out just how much you might have left over for the weekend.

For advice on how to move forward give us a call on 0800 220 568

Find your ideal mortgage

Working out what you can afford


The first step when looking for your first home is working out what you think you can afford . You can do this by using our budget planner.

Working out what you can afford to borrow can be tricky so for advice on your options give us a call on 0800 220 568.

The amount you are contributing or ‘putting down’ towards the property is known as the deposit. Once you know the size of your deposit you can work out your loan to value (LTV) by using the calculator below. Once you've done this you can decide which mortgage products may be suitable for you.  You can then get a idea of the monthly repayments by using our mortgage calculator.

For example, if you are able to put down a 20% deposit that means you need a mortgage that is 80% LTV.

Work out your Loan to Value

with our easy calculator

1What is the property value?


2What is your deposit?


Your Loan To Value (LTV)


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