Buy your first home with Nationwide

We want to help First Time Buyers achieve their home ownership dreams. That’s why we offer a range of lending options including 5% deposit mortgages and support the Government Help To Buy schemes.

  • How much can you borrow?

    How much can you borrow?

    Get a good idea of what we could lend you with our calculator.

    Affordability calculator
  • Find out what types of lending we can offer

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    We have a range of lending options to help First Time Buyers.

    Our range of lending options
  • View our mortgage rates

    Nationwide mortgage rates

    Check out our current rates and deals specifically designed for First Time Buyers.

    Our mortgage rates
  • Get a Decision in Principle (DIP) as part of an application

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    A DIP lets you know what you could borrow without committing to a full application just yet.

    Get a DIP

What's a Decision in Principle?

Before applying for a mortgage, you’ll need a Decision in Principle (DIP). This is also known as an Agreement in Principle (AIP) or a Lending Certificate. It confirms what we'd be prepared to lend to you. Getting a DIP involves a credit check, so if you'd like to get a good idea of how much you can borrow before getting a DIP, use our Mortgage Affordability Calculator first.

*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 3 years). This cashback will be in addition to any Save to Buy rewards.

Still need some help?

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.