Apply for a mortgage as a first time buyer

You can choose how you would like to apply for your first mortgage - online or over the phone.

Continue a saved application

Getting a Decision in Principle (DIP)

Before applying, you’ll need a DIP. Also known as an Agreement in Principle (AIP) or a Lending Certificate, this confirms what we'd be prepared to lend to you. When you get a DIP, we only do a soft credit check, which won’t affect your credit score.

An estate agent may ask to see your DIP before they will let you view a property. You’ll then be able to download your DIP certificate from our online application portal to share.

Check your application and download your documents

Stamp duty and your application

The current stamp duty holiday means you won’t pay the tax on a property purchase, up to a certain amount.

Until 30 June 2021, you won’t pay stamp duty on the first £500,000 of a property purchase. Then, until 30 September 2021, it reduces to the first £250,000.

To benefit from the holiday, your mortgage must complete by these dates.

If you’re buying in Scotland or Wales, different rules apply.

To find out more, visit the GOV.UK guide to Stamp Duty (opens in a new window).

To get a Decision in Principle you will need:

  • Your UK address history going back 3 years.
  • Income details – for example: your salary, bonuses and any additional income, such as government benefits or investments.
  • Outgoings – for example, credit commitments, travel costs or anything you might pay out on any dependents, i.e. school fees.

Once you've got your DIP, you can use it to apply for a mortgage straight away.

If you're applying with an LTV between 85.01% and 90%:

  • the most we can lend is £500,000.
  • we will only accept applications if you’re buying a house or a bungalow – not for flats, maisonettes, coach house flats or coach houses.
  • we will only accept applications to buy pre-owned properties, not new build homes.

Information: House prices can go up and down. If property prices fall, there's a risk that the equity in your home could drop too. This could affect your future plans.

Find out more by visiting our House Price Index

Ways to apply


If you're comfortable choosing a mortgage without our advice, you can get a DIP and apply online at your own pace. However, you need to understand that you're responsible for the mortgage you choose.

You cannot apply online:

  • using Help to Buy, shared ownership, Right to Buy or Forces Help to Buy affordable home ownership schemes
  • if your new mortgage term takes you into or beyond retirement age.

For these types of mortgage, please call us.

If you are already registered for the Internet Bank, you can get a DIP and apply for your first mortgage by logging in. This can be the quickest way to apply, as some of your details will already be filled out.

Log in to begin your DIP

Over the phone

To apply with advice, call to book an appointment with a Mortgage Consultant. They will be able to talk you through your options and make recommendations based on your individual needs.

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

03457 30 20 10

In branch

While we need to keep each other safe by staying at home, we cannot accept applications in branch. For now, please call us to apply if you need advice. Or, if you're happy to apply without advice, you can apply online.

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.