Menu Open menu
Find a branchFind a branch
Please enter your postcode using only letters and numbers. Please enter a postcode.

Call us0800 121 8899

Call us

Free call from mobiles & landlines

Monday to Friday 8am - 8pm
Saturday 9am - 5pm
Sunday 10am - 4pm
Bank Holiday - closed 

All enquiries 0800 121 8899

Call costs explained


Buying your first home?

Enter a value between £1 and £99,999,999
Enter a value between £1 and £1,000,000 Enter a value between £1 and £250,000 Enter a value between £25,001 - £1,000,000 The mortgage amount can not exceed the property value

Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying your first home

If you’ve saved a deposit of 10% or more, we’re ready to help you buy your first home.

It doesn’t have to be daunting. Read our guide to see what’s involved and use our calculators to find out how much you could borrow.

Why choose us?

  • Fixed or variable mortgages to suit you
  • Reserve your mortgage offer for up to six months
  • UK-based advisors

Gold Ribbon holder

Fairer Finance is an independent consumer group that ranks providers on trust, complaints, transparency and happiness.

We've been proud holders of Gold Ribbons from Fairer Finance since they were introduced.

First home - help

How much can I borrow?

It depends - we'll assess what you can afford. To get an idea, try our affordability calculator.

How much deposit do I need?

A minimum of 10% of the purchase price.

How will I know which mortgage is right for me?

Talk to one of our advisors or a financial advisor...

Read more

Do you do a 'Help to Buy' mortgage and/or a 'Help to Buy' ISA?

Not at the moment...

Read more

Guide for first time buyers

From finding a mortgage to dealing with solicitors and completing, we've answered your questions.

Read our guide

Peace of mind

Insurance policies protect you if the worst happens to your property or if personal changes affect your ability to pay your mortgage.

Protect your home and your family with the right insurance cover.

How much can I borrow? Try our affordability calculator

Find out how much you could borrow with one of our mortgages.
It will take about 10 minutes to complete and you’ll need the following information:


Your income details (regular salary/wages, bonuses, overtime, allowance).


Any credit commitments you have (loans/student loans, pension payments, credit and store cards, family commitments; school fees, child maintenance, child care).

The calculator will provide an estimate of what we could lend you based on the information you have entered. Please note this is for guidance purposes only..




Ready to get started? Choose the number of applicants below

How to apply

Plan your purchase

Your mortgage payment is just one of the expenses to consider when you're planning to buy a property.

What other costs should you budget for? Find out the answer to this and other common questions in our guide for first time buyers.