We’ve got 5% deposit mortgages and we’ll support you every step of the way, from getting your mortgage right through to the final paperwork.
Searching for your first home?
Book your appointment
Great news for first time buyers!
With 95% mortgages available (75% in London & SE England)*, £1,000 cashback on selected deals**, plus award-winning service from local people, getting your foot on the property ladder is easier than you think.
5% deposits and £1,000 cashback
Also known as 95% LTV mortgages*, you can even get £1,000 cashback with selected mortgages**.
Having trouble paying your mortgage?
Whether it is residential or commercial, we will always try to help. Our Money Worries Hub contains useful information about how we might be able to help.
*Subject to lending criteria at the time
**£1,000 cashback available on selected First Time Buyer mortgage products up to 95%. Terms and conditions apply.
Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Next steps
Want to make moving house as hassle-free as possible? You’re in the right place. From mortgage calculators to eligibility checkers, and online support to help you figure out how much to offer on your first home, we’re here to lend a hand.
See how much you could borrow
Use our mortgage calculator to work out how much you could borrow from us.
Book an appointment
Our mortgage advisors will be here for you every step of the way. Book your telephone or branch appointment today.
Frequently Asked Questions
Buying a home is a big step and there’s a lot to consider.
Finding out how much you can borrow is a great place to start. It allows you to narrow down your search to the properties within your budget, ready for when the house hunt begins. You can find out how much you could borrow by visiting our mortgage calculator.
The quickest way to speak to a mortgage advisor who can potentially help you get on or move up the property ladder, or remortgage, is to Book an Appointment.
A mortgage is a loan, secured on a property, that is repaid with a predetermined set of payments over an agreed period of time.
The amount you could borrow will depend on your income, outgoings, property value, and how much you have available each month to pay back.
When looking to buy a property and take a mortgage out, you’ll need a deposit to put down. The minimum deposit needed can potentially be as low as 5% of the property’s value (dependent on the property you are buying and where you are looking to purchase).
To find out how much you can borrow and how much deposit you are going to need, you can make an appointment with one of our expert mortgage advisors who will be more than happy to guide you through the process.
When you apply for a mortgage with us, we will need to see some documentation to prove your identity: who you are and where you live, how much you earn and if applicable, how much of a deposit you have and where the money came from.
You will need to provide:
- Proof of identity - We will complete an electronic ID check; however, we would also recommend that you bring two forms of ID. This could be your passport, driving licence, bank statements or utility bills. You will usually need to provide one letter and one photographic proof of identity. This is so we can meet money laundering regulations to help stop criminals using financial products and services for their own benefit.
- Proof of income - This will typically be your last 2 months of payslips if you are employed. If you’ve told us you get extra income, for example a bonus, overtime or commission, we'll need you to send us more payslips.
If you are self-employed, you will need to be self-employed for a minimum of 2 years and be able to provide your last 2 years SA302s.
If you have other income you would like to use to use in your application, for example working tax credits, child tax credits, disability allowance, pensions or maintenance, your mortgage advisor will advise of exactly what we need from you depending on your individual circumstances.
- Proof of deposit - (e.g. a Savings Account Statement, gifted deposit form).
Each application does vary and your mortgage advisor will advise you on exactly what’s needed when you make an application with us.