First Time Buyers

We can help your clients to buy their first home.

Buying a home for the first time can be a daunting experience for your clients, especially if they’re unsure what route to take. To help you support your First Time Buyer (FTB) clients, we offer a range of competitive House Purchase product deals and added incentives to help keep the costs down.

Use our online product finder to search for the right FTB deal for your client.

Product finder

Incentives to help your First Time Buyer clients

We offer a number of incentives across selected products in our House Purchase range, to help reduce the costs for your First Time Buyer clients:


Up to £750 cashback on completion of the mortgage.

Free standard valuation.

No product fee on selected product deals.

How to get started

  1. Use our online product finder to search for the right deal for your client.
  2. Get an estimate of your clients borrowing needs with our affordability calculator.
  3. View our lending criteria to make sure everything is in order for your client’s application – you can search the criteria by keywords or browse through our simple categories.
  4. For further help and support you can use our Web Chat facility – or, to get your questions answered, use our FAQ tool.

Information on First Time Buyer clients

  • We’ll instruct a mortgage valuation for the new property on Day 1
  • Up to 90% LTV for new build houses and flats
  • We accept a 5% Builder deposit for New Build properties (10% from the applicant)
  • Maximum mortgage term is 35 years (to a maximum age of 75)
  • Overpayments available without charge (monthly or lump sum) for up to a total of 10% of the outstanding loan per year. Our offset products allow for 99.9% overpayment.
  • All products are portable when your clients are looking to find their next home
  • We only carry out a soft credit check on AIPs, so it won’t leave a permanent record on your clients credit file.