First time buyer

It's simple to work out how much you could borrow - you can work out roughly how much you can borrow using our simple mortgage calculator. To get a more accurate indication, involving a credit score (to assess the suitability of your application), you can complete an online Mortgage Promise.

Other ways on to the property ladder - we understand how difficult it is to get on the property ladder for the first time, so take a look at our tips to affording the house you want

Save a smaller deposit – you could buy sooner than you think because you can borrow up to 95% of the purchase price or valuation (whichever is the lower) for properties valued up to £250,000

We calculate interest on a daily basis - some lenders calculate the interest they charge on an annual basis. We don't -  calculating on a daily basis could help save you money.

You maybe able to repay your mortgage over up to 40 years - spreading your repayments means you could start off with lower repayments. Equally you can choose to reduce the term of your mortgage to pay it off sooner. Just bear in mind that the longer you take to repay the more interest you'll be charged.

We offer free budget advice - to help you understand the upfront costs and those costs once you've moved in to your new home. Take a look at our  budget checklist (opens as a PDF) to consider the upfront costs involved when buying a home.

All our mortgages have special features - a little flexibility in repaying your mortgage can really help. That's why, regardless of the mortgage deal you choose, we'll give you a whole host of special features.

Your home may be repossessed if you do not keep up repayments on your mortgage