What we can offer

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Offers and Schemes

Offers and schemes for First Time Buyers  

Buying your first home could be the biggest purchase you'll ever make, and it's not always easy to raise money for a deposit, fees and moving. There are Government-sponsored affordable housing schemes that could help you in various ways. We support mortgage applications with shared ownership, Right to Buy, Forces Help to Buy and Help to Buy equity loans. 

We also have a range of low-deposit mortgages for customers who've been saving with us in a Save to Buy savings account/ISA or Help to Buy: ISA. These include 5% deposit fixed and tracker rate mortgages. And as a First Time Buyer you'll get £500 cashback simply for taking out your first mortgage with us. 

£500 cashback on your first mortgage

Who wouldn't like a bit of a break from all the costs of buying a new home? Once your mortgage completes, we'll give you £500 back - just a little something you could use towards something special for your new home.

Terms and conditions:
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. This cashback will be in addition to any Save to Buy rewards. This cashback offer only applies to customers who reserved their mortgage on or after 13 May 2015.

Family Deposit Mortgages

Struggling with that first or next step on the property ladder? Maybe a loved one might be able to help you get moving with our Family Deposit Mortgage range.

See our Family Deposit Mortgage page for more details and full terms and conditions.

Affordable housing schemes for First Time Buyers

Help to Buy: ISA

Start saving for your first home with a Help to Buy: ISA from Nationwide.

Help to Buy equity loans

A Government loan scheme that could help you with money towards your deposit.

Help to Buy mortgages

If you're using a Help to Buy equity loan as part of your deposit, you could get a mortgage from our Help to Buy range.

Shared ownership mortgages

We have mortgages for shared ownership buyers.

Right to Buy mortgages

If you're interested in buying your council or housing association home, we support Right to Buy.

Forces Help to Buy

We support Armed Forces members who need help to buy their first home.

5% deposit mortgages for first time home buyers

Save to Buy 5% deposit mortgages

If you've been saving for your first home with us in a Help to Buy: ISA or Save to Buy ISA or Save to Buy Savings Account, we have a range of mortgages just for you.

Our Save to Buy mortgage range includes 95% mortgages on a fixed rate and tracker rates, so you could buy your first home with a deposit as low as 5%.

Save to Buy mortgages also come with a Save to Buy cashback offer. Depending on how much you've saved, you could get up to £1,000 back when your mortgage completes - that's in addition to the £500 cashback you'll get just for taking out your first mortgage with us. 

Save to Buy mortgages

Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.

Our mortgage offers may be withdrawn at any time and without notice.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.

Mortgage calculators

Help and guides

How to Apply