Step 1
Step 1: Should you buy?

Becoming a homeowner for the first time is one of life’s milestones and for most of us buying a home will be the most expensive purchase we’ll ever make.

Step 2
Step 2: Buying options

You’ve decided that you’d like to buy your first home but all of the places you’ve looked at seem out of your reach.

Step 3
Step 3: Understanding mortgages

A mortgage is a loan that uses a property as security for the lender. Different lenders offer different rates and types of mortgage, but all mortgages have a few things in common

Step 4
Step 4: Budgeting, eligibility and costs

Before applying for a mortgage find out whether you qualify and how much you may be able to borrow as well as some of the costs.

Step 5
Step 5: Looking for a home

Getting started with the search for your own home means knowing what you want from both a property and the surrounding area.

Step 6
Step 6: Making an offer

When you've found your perfect home it's time to work with a solicitor or conveyancer on all the legal details of buying.

Step 7
Step 7: Applying for a mortgage

You can apply online, by phone or in branch. There are a few key things to know about here, including valuations and surveys.

Step 8
Step 8: Exchanging and completing

You’re nearly there. In this section we look at the final part of the journey which includes the mortgage offer and contracts.

Step 9
Step 9: Moving

Take care of the vital details as you get ready to move into your first home.

Mortgages made simple videos
If you want to know more about buying a home or how easy it is to apply online, our mortgage videos are a great place to start.
Jargon buster

Important Information


All applications are subject to status and our lending criteria. This means that the amount we’ll lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a bigger deposit if you’re buying a flat or new build property.