What we can offer

First Time Buyer mortgages

It can be exciting thinking about buying your first home, but also it can be difficult to get on the property ladder. That's why we help first time home buyers by supporting affordable housing schemes like shared ownership, offering 5% deposit mortgages and £500 cashback.

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5% deposit mortgages

If you've been saving with us in a Help to Buy: ISA for three months, you could apply for a mortgage from our Save to Buy range. Save to Buy mortgages include fixed rate and tracker rate mortgages with deposits as low as 5%.

Save to buy
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Affordable housing schemes

The Government's affordable housing schemes can help First Time Buyers get on the property ladder. Depending on your needs and circumstances, you might be interested in a Help to Buy: ISA, Help to Buy equity loans, Right to Buy, shared ownership or Forces Help to Buy.

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Family Deposit Mortgages

Struggling with that first or next step on the property ladder? Maybe a loved one might be able to help you get moving with our Family Deposit Mortgage range.

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£500 cashback*

We give all of our first time buyers £500 cash as a thank you for choosing us. You'll get the money when your mortgage completes - just a little something to put towards your new home.

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*Only one £500 cashback will be paid per mortgage and is payable within one month of completion. If applying jointly, all applicants need to be First Time Buyers. This cashback will be in addition to any Save to Buy rewards. This cashback offer only applies to customers who reserved their mortgage on or after 13 May 2015.

Getting started buying your first home

See how much you could borrow from us 

Before looking for properties or mortgages, you can find out what you could afford to borrow. Enter details on your income and outgoings to get a good idea of how much we'd be able to lend to you.

Compare mortgages and monthly payments

See the mortgage rates we offer to first time home buyers, including 5% deposit mortgages. Compare what your monthly payments would be with different mortgages and interest rates.

Apply for a Decision in Principle

Found a property and ready to make an offer? Getting confirmation that we'd be willing to lend to you means you can make an offer on a property you love with confidence.

Help with mortgages

First Time Buyers' Guide

  • See the whole process of buying a home, from getting a mortgage to moving in.
  • Find out about affordable housing schemes like Shared ownership, Help to Buy and Right to Buy.
  • Learn about home insurance, types of mortgages, and exchanging contracts

Contact us

Questions about buying your first home? 

  • Give us a call on 0800 121 69 49, Monday to Friday 8am-8pm or Saturday 9am-5pm.
  • Visit us in your local Nationwide branch to speak to a mortgage consultant in person.

Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.

Our mortgage rates

Offers and Schemes

Mortgage calculators

Help and guides

How to Apply