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Mortgages for first time buyers
Your home may be repossessed if you do not keep up your payments

We don't mean to brag, but we've been named Which? Recommended mortgage provider... again.
(Okay, maybe we do mean to brag a bit!)
Buying your first home is an exciting time. Whether you’re deposit-ready, setting those property alerts or heading out to house viewings – we’re here to help you reach for that first rung of the property ladder. Ready? Let’s get moving…
Lower your monthly payments: Choose a term up to 40 years
With a capital repayment mortgage, a longer term could reduce your monthly payments to help you get on the ladder – although keep in mind, you will pay more interest overall. You may be able to reduce your term in the future, simply give us a call.
Be offer ready: Get an Agreement in Principle that lasts 6 months
An AIP is a document that shows what we could lend you before you apply for a mortgage, so you can make an offer as soon as you find the perfect place.
Feel more confident: Talk to our experienced team, 7 days a week
Our friendly team will advise on our best mortgage for you and help you feel more confident throughout your first home-buying process – just give us a call.
Put your mind at ease: Which? Recommended Provider
Which? consider us one of the best mortgage providers for customer service, value for money and more.
Save money: Avoid unnecessary fees
- We’ll cover the cost of standard valuations on the property you’re buying
- No booking fees on some mortgages, or fixed at £490, fees are non-refundable but can be transferred to another deal for up to six months
- No charges for support and advice from our advisors.
Look to the future: Don’t pay to overpay
We don’t charge early repayment charges like some other lenders – it’s simply not fair to do it. This might not be a consideration right now, but unlimited overpayments mean you could reduce the overall interest you pay in the future.
See our range of mortgages
Sums done...
Now let’s help you get offer-ready
Great homes are moving fast. Be ready to make an offer from the minute that property alert pings. This is where an Agreement in Principle comes in. It’s not a legal document and it won’t affect your credit score – but it will show that you’re serious about buying. With the property market moving at such a pace, you might find you miss out on properties if you don’t have your AIP ready before viewing.
Contact us today
Get an AIP that lasts 6 months
Talk to our mortgage team today and get your Agreement in Principle arranged. You’ll need details of your income and outgoings to hand
Helpful guides for First time buyers
Moving house costs and tips to manage your money
So, how exactly do I pay for a house? Find out the real cost of buying a house 5 tips that could help you save for your depositBefore you start looking for your dream home
Where do I start my house hunt? Decide where you want to liveHelp choosing the right mortgage
How much can I afford? How to improve your credit score Am I a first time buyer? Can I get a mortgage?Choosing a house - things to consider
Make the most of every viewing What to look for before making an offer What is conveyancing and do I really need it? What documents might I need?Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.