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 soft credit check and won’t affect your credit score.

*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?

Take a look at our first time buyer guide

Learn all about buying your first home

This guide is full of useful information that can help you learn more about buying your first home.

View our First Time Buyer guide

MyNationwide app logo

myNationwide App

myNationwide app helps you on your mortgage journey. Book appointments, speak to the team and much more.

To download and use the app you need to be aged 18 or over and have an iPhone with iOS 9 or above. App Store is a service mark of Apple Inc. iOS is a trademark or registered trademark of Cisco in the U.S

Download the app

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Speak to someone

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

Contact us

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.