Welcome to our first time buyer hub


We’re committed to supporting you and your first time buyer clients. Our one stop shop has everything you need. This includes information on Helping Hand, Deposit Unlock, criteria and much more.

Helping Hand

Helping Hand could help your clients borrow a higher amount when taking a 5 or 10 year fixed rate product, up to 95% LTV.

More on Helping Hand

Deposit Unlock

Your first time buyers and home movers may be able to borrow between 90.01-95% LTV to purchase their New Build home.

Find out about Deposit Unlock

Why choose Nationwide?

  • Mortgages up to 95% LTV from our homebuyer product range (on 95% LTV products for first time buyers, the maximum loan size is £500,000)
  • Further access to low deposit mortgages through our support of affordable housing and government backed schemes
  • £500 cashback* available on all products
  • No standard valuation fees
  • Help to Buy: ISAs accepted from any lender towards the property purchase price
  • 10% annual overpayment allowance on fixed rate products
  • No ERCs on tracker products
  • Maximum term of 40 years
  • Fully portable products, helping your client to move again in the future
  • Helping Hand offers first time buyers an increased loan amount when taking a long term fixed rate product.

We've also gathered some useful information and top tips to help get your first time buyer applications through more easily

95% LTV criteria tips

Before submitting an application, read our tips and enhanced criteria to help get your application right first time.

Read our enhanced criteria

Packaging support 

Read our range of packaging guides which could help you receive a quicker offer.

Go to our guides

Housing schemes

Help to Buy – Equity Loan support, Shared Ownership, Forces Help to Buy and other housing schemes could support your first time buyer clients.

Visit our Housing schemes page

First time buyer criteria and case support

Login to NFI Online

Are you ready to make an application or check your latest valuation information?

Go to NFI Online

Broker Chat

Speak to one of our experienced Business Development Advisers.

Take me to Broker Chat

Search our A-Z criteria

Our A-Z criteria may have the answer you're looking for.

View our A-Z criteria