Buy for the first time

Whether you're a first-time buyer or an old hand, it makes sense to understand your choices and what happens when you buy a home. Not sure how much you can borrow? Try our easy-to-use tools or call our team of dedicated mortgage advisers.

Call 0800 0969 527 to apply today and we'll give you a decision in minutes!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

What happens in six steps |

Buying your first home |

Which mortgage suits you?

Home Information Packs (hips)

Fixed Rate |Variable |Flexible Mortgages |

Initial rate	Until	Rate thereafter	Overall cost for comparison	Minimum deposit	Early repayment charge
2-year purchase fixed-rate (up to 75% LTV)					Updated 30/06/2008
6.29%	31/08/2010	7.19% variable	7.4% APR	25%	3% until 31/08/2010
You can overpay up to 10% of your outstanding mortgage balance each year without extra charge Product fee £899 Minimum loan £25,000 Also available for Existing Customers who are purchasing a new property
					(Ref: fix19)
2-year purchase fixed-rate (up to 90% LTV)					Updated 30/06/2008
6.69%	31/08/2010	7.19% variable	7.5% APR	10%	3% until 31/08/2010
You can overpay up to 10% of your outstanding mortgage balance each year without extra charge Product fee £899 Minimum loan £25,000 Also available for Existing Customers who are purchasing a new property
					(Ref: fix10)
2-year purchase fixed-rate (up to 95% LTV)					Updated 30/06/2008
7.04%	31/08/2010	7.19% variable	7.5% APR	5%	3% until 31/08/2010
You can overpay up to 10% of your outstanding mortgage balance each year without extra charge Product fee £899 Minimum loan £25,000 Only available for capital repayment mortgages Also available for Existing Customers who are purchasing a new property
					(Ref: fix36)
5-year purchase fixed-rate (up to 75% LTV)					Updated 30/06/2008
6.54%	31/08/2013	7.19% variable	7.3% APR	25%	5% until 31/08/2009 4% until 31/08/2010 3% until 31/08/2011 2% until 31/08/2012 1% until 31/08/2013
You can overpay up to 10% of your outstanding mortgage balance each year without extra charge Product fee £899 Minimum loan £25,000 Also available for Existing Customers who are purchasing a new property
					(Ref: fix17)
5-year purchase fixed-rate (up to 90% LTV)					Updated 30/06/2008
6.69%	31/08/2013	7.19% variable	7.4% APR	10%	5% until 31/08/2009 4% until 31/08/2010 3% until 31/08/2011 2% until 31/08/2012 1% until 31/08/2013
You can overpay up to 10% of your outstanding mortgage balance each year without extra charge Product fee £899 Minimum loan £25,000 Also available for Existing Customers who are purchasing a new property
					(Ref: fix12)
5-year purchase fixed-rate (up to 95% LTV)					Updated 30/06/2008
7.04%	31/08/2013	7.19% variable	7.5% APR	5%	5% until 31/08/2009 4% until 31/08/2010 3% until 31/08/2011 2% until 31/08/2012 1% until 31/08/2013
You can overpay up to 10% of your outstanding mortgage balance each year without extra charge Product fee £899 Minimum loan £25,000 Only available for capital repayment mortgages Also available for Existing Customers who are purchasing a new property
					(Ref: fix16)