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If it's your first time...

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First time buyers

Our range of mortgages for First Time Buyers, including the First Time Buyer Family Deposit, means you could borrow up to 100% of the value of the property you want to buy.

Our mortgage calculator below is designed to show you how much you could potentially borrow up to 95% loan to value (LTV), which products are available to you and how much your monthly payments would be.

You can find more information in our guide to buying your first home and answers to some questions you may have in our First Time Buyers FAQs

Try our mortgage Calculator

Mortgage calculator

Our mortgage calculator is designed to show you how much you could potentially borrow and how much your monthly payments would be. The amount is based solely on your income without deducting household expenses and financial commitments. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Gross annual income





LTV Amount





Payment Terms