Home Mortgages Mortgage guides Mortgages for First time buyers

Mortgages for First time buyers

Buying your first home is an exciting time – but there’s a great deal to think about and do. We’re here to support you through the whole process.

If you haven’t already, it’s worth reading about our different types of mortgage, and how different rates work. You may also find these guides useful.

How much can you borrow?

How much can you borrow?

Amount you could borrow

Amount you can borrow £0

Important information

The figures in this tool are to give you an idea and don’t necessarily mean we’ll be able to lend you that amount.

The amount we may consider lending will depend on your individual situation, the type of property you’re purchasing, the loan you choose and the amount you borrow.

Am I a first time buyer?

The clue ought to be in the name – you’ve either bought a house before or you haven’t, right? If only it were that simple...

Read more about first time buyers

Can I get a mortgage?

Here we explain some of the main qualifying factors for getting a mortgage and what lenders usually look at before they make a decision.

Learn about mortgage qualifying factors


5 tips that could help you save for your deposit

Here are our practical tips on how to save for a deposit

View tips on saving for your deposit

Group 14

Find out the real cost of buying a house

Have you considered the hidden costs of buying a house? Here are the things you’ll almost certainly need to budget for.

Read about the costs of buying a house

current-addressUtility billsBenefits lettersCouncil taxBank statementsDriving licence

What documents might I need?

It can vary from bank to bank, but if you want to know which docs you’ll likely need read our guide.

Read about what you might need


So, how exactly do I pay for a house?

The good news: there are loads of options out there to help first time buyers finance their home.

See options for financing your home


Where do I start my house hunt?

Here’s a rundown to help you find your dream home.

Learn about starting your house hunt

Find the mortgage for you

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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Life Insurance

Protect their future with first direct Life Insurance, provided by HSBC Life (UK) Limited.

Learn more about our Life Insurance

Contact us

If you want to:

Move house, remortgage, discuss rates or borrow more

New to first direct

0800 48 24 48

Existing first direct customers:

03 456 100 103

If you have:

Completion questions, payment changes, statement requests, or to pay off your mortgage

03 456 100 198

Lines are open Mon to Fri 8am to 10pm, Sat 8am to 8pm and Sun 9am to 8pm.

Lines are open Mon to Fri 8am to 9pm, Sat 8am to 5.30pm.