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Want to get your foot on the property ladder sooner?

With our First Time Buyer Boost mortgage, you could borrow up to 22% more than we could normally lend you.

How does it work?

  • At least one person applying must be a first-time buyer.
  • You must have a deposit of 10% or more to put down.
  • The total household income of everyone applying must be a minimum of £50,000.
  • We’ll boost the amount we can lend you by up to 22%.


For example:

If you have a total household income of £50,000 and a 10% deposit, the most you could borrow is £224,500.

With our First Time Buyer Boost mortgage, you could borrow up to £275,000.

Go to Mortgage Calculator

This example is for illustrative purposes only. You’ll need to complete an Agreement in Principle (AIP) to get an idea of how much we could lend you.

To be eligible to apply for a First Time Buyer Boost

  • At least one person applying must never have owned a property before.
  • You must have a minimum total household income of £50,000.
  • A deposit of at least 10% must be put towards the property.
  • Everyone applying for the mortgage has to be employed, not self-employed.

The First Time Buyer Boost mortgage can’t be used with affordable home ownership schemes, such as shared equity, shared ownership, mortgage guarantee scheme, or our Family Boost mortgage.

You could lose your home if you don’t keep up your mortgage repayments

Contact us

Got any questions? Get in touch with our Mortgage and Protection Advisers.

Call us on 0345 850 0248. Lines are open Monday to Friday 8am – 8pm and Saturday 9am – 4pm. We're closed on Sundays and bank holidays.

If you have a hearing or speech impairment, you can contact us using the Relay UK service. There’s more information on the Relay UK help pages. If you’re Deaf and a BSL user, you can use our BSL SignVideo service.