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.

The Halifax brand is changing to Lloyds

You can still apply for a Halifax mortgage online, or with one of our experts. Any applications you've already started will continue.

Managing your mortgage with us remains easy, and you'll keep getting free advice and support from the biggest team of mortgage and protection advisers in the market.

What it means for mortgages

Learn about the brand change.

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 £40,000.
  • 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 £40,000.
  • A deposit of at least 10% must be put towards the property.

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

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

Contact us

Got any questions? Call us to speak to one of our Mortgage and Protection Advisers.

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.