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First Time Buyer Mortgages

Committed to helping you buy your first home

If you’ve not had a mortgage in the last 3 years, we could help you onto the property ladder with our special offers and range of tools for first time buyers

What we offer

  • 5% deposit mortgages with our Save to Buy savings and mortgage offer
  • £500 discount on product fees on selected mortgages
  • Interactive and independent guide to buying your first home
£500 discount on product fees on selected mortgages
  • Help & guidance
  • Calculators
  • Our latest offers
  • How to apply

Guide to buying your first home

Our essential guide to buying your first home. Read our interactive, independent guide to buying your first home, including what you need to do and when.

View or download our first time buyers’ guide

Understanding mortgages

Find out more about the types of mortgage available and how to repay

Fixed or tracker rate mortgage
Repayment or interest only payments

Affordable housing schemes

We offer mortgages in conjunction with a range of affordable housing schemes for first time buyers

More about affordable housing schemes

How much can I borrow?

Use our mortgage calculator to find out how much we could lend you.

See how much you can borrow

How else can we help?

When choosing your mortgage we can offer further support with our related services.

Our Homebuyer Legal Service
Valuations
Insurance

Compare mortgage rates

View our rates and see what your monthly payments could be.

Compare our mortgage rates

Jargon buster

Help with understanding all the terms that can cause confusion when researching your mortgage options

View mortgage glossary

Use our calculators to help you understand how your mortgage can work for you

Choose an option from the selection below.

Monthly payment calculator

See how much your monthly payments are with our payment tool.

Compare two different mortgage scenarios with our simple calculator:

 

Calculate

Notes:

The above payments are for illustration purposes only. You also need to consider any insurance payments that need to be made.

* For interest only mortgages you need to add on the cost of repaying the capital with a repayment vehicle such as an ISA or endowment policy. Loan to value (LTV) restrictions apply.

How much can I borrow?

Use our mortgage calculator to find out how much we could lend you.

See how much you can borrow

How much will it cost me to move?

There's more to moving home than just the price of the property you are buying and how much your mortgage payments are.

Use our calculator to understand more about the cost of buying your first home.

Calculate my moving costs

Compare mortgage rates

Compare our mortgage rates and see if you can save money on your monthly repayments:

View rates

Browse our offers for First Time Buyers

  • Save to Buy
  • Discount on product fees
  • Flexible mortgage
  • Life discount
  • Home insurance

How to apply

Call us on 0800 111 44 10

Mon - Fri: 8.00 am - 8.00 pm
Sat & Sun: 9.00 am - 5.00 pm

Branch

Find your local branch

Online

To apply online, you will first need to compare the overall cost of any mortgages you're interested in by getting a full Key Facts Illustration (KFI). Once you have chosen your mortgage, you can then go on to get an instant, no obligation, Decision in Principle (DIP) (what's this?) and then submit a full application online

Get a Decision in Principle and apply online

Or

Find out more about applying online and what you need

Continue a saved application

Compare mortgage rates

View our range of deals for first time buyers and see what your monthly payments could be...

View rates

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

Contact us

If you would like to discuss your mortgage requirements with us, please call:

0800 111 44 10

Mon to Fri: 8am - 8pm
Sat & Sun: 9am - 5pm

Or visit your local branch

Our awards

Innovator Award for Large Lenders
Awarded to Nationwide for our First Time Buyer guide by the Mortgage Finance Gazette Awards 2012

Innovator Award for Large Lenders Awarded for Nationwide's First Time Buyer guide by the Mortgage Finance Gazette Awards 2012
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  • © Nationwide Building Society
Nationwide Building Society is authorised and regulated by the Financial Services Authority under registration number 106078. Credit facilities other than regulated mortgages are not
regulated by the Financial Services Authority. You can confirm our registration on the FSA's website, www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.