Find out how much you could borrow

Get an idea of what you could borrow as a first time buyer, using our mortgage calculator.

Mortgage rates

Compare mortgage deals for first time buyers and find out what your interest rate and monthly payments could be.

Helping Hand mortgage

If you don’t think you can borrow enough to buy your first home, we may be able to give you a Helping Hand to borrow more.

How to get a DIP and apply

You’ll need to apply for a Decision in Principle (DIP). This tells you what we’d be prepared to lend you before going on to apply for a full mortgage.

Affordable home ownership schemes

Nationwide supports schemes like Help to Buy, Right to Buy, Forces Help to Buy and Shared Ownership. These can help you purchase your first home or move home.

Guide to mortgages for first time buyers

Useful information to help you understand your choices when buying your first home.
*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 (we see first time buyers as customers who have not had a mortgage in the last three years).

Attend our first time buyer event

On Tuesday 1 February 2022, we're hosting a free online event for first time buyers. We'll talk you through the home-buying process - from looking at properties to applying for a mortgage. And you can ask any questions you may have.

Get rewarded for buying a greener home

If you’re buying an energy-efficient home with a Nationwide mortgage, we may be able to give you up to £500 cashback. Eligibility criteria apply. 

More about our Green Reward

Related links

Contact us

If you have any questions about Nationwide mortgages or you’re not sure where to begin, just get in touch and we'll be happy to help.

Monday to Friday, 8am to 6pm.
Saturday 8.30am to 4pm.
Closed Sundays and bank holidays.


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.