Helping more first time buyers, nationwide.

With your support we help more people get their first mortgage than anyone else.

First time buyer hub

Information:

Stamp Duty deadline 31 March 2025. Please ensure you send us all requested documentation for submitted cases. This will help us issue an offer as quickly as possible. Conveyancers need to submit the Certificate of Title by 24 March 2025.

Service updates

See our service levels for a clear indication of how long it might take us to process your case.

Initial assessment

Average working days

Standard cases

2 days

Refer cases
All cases which receive an initial refer decision

2 days

Application to offer

Average working days

Standard cases

8 days

Refer cases
All cases which receive an initial refer decision

12 days

Valuations

Valuations booked and carried out

within 10 days

97%
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Lending criteria updates

We've made positive changes to our lending criteria for Foreign National applicants, as well increasing the maximum LTV for Interest Only.

See our Foreign Nationals criteria

Affordability calculator

Affordability calculator

Use our affordability calculator to assess borrowing options for your clients.

Use the calculator

Broker Chat

Broker Chat

Talk to our experienced advisers using Broker Chat to get the answer to your questions.

Chat now

Support for you

Support

From system support to product and criteria questions, our expert team are ready to help: face-to-face, online and on the phone.

Support page

News and insights

Find out the latest news and updates to our products and criteria, or browse our insight section to explore the latest trends in house prices and the mortgage industry.

See more
News articles