What we can offer

First Time Buyer mortgages

We know it can be exciting thinking about buying your first home, but also that 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, Right to Buy, Forces Help to Buy and Help to Buy: ISA. We also have 5% deposit mortgages for First Time Buyers. Plus, when you take out your first mortgage with us, you'll get £500 cashback when your mortgage completes. 

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.

Awards for our mortgages

YOUR MORTGAGE IS SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS 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