A mortgage is often the biggest financial commitment of a person's life. First-time buyers typically need to pay at least 5% of the purchase price of their property as a deposit, but every circumstance is different.

Our mortgage borrowing calculator gives you an estimate of the amount you can borrow, the deposit you’ll need, and the monthly payments you should budget for.

Explore the most frequently asked questions first-time buyers have put to our team of mortgage experts. Find answers to your question online now or ask your own question and our knowledgeable mortgage experts will reply as soon as they can.

Mortgage Costs

How to work out your mortgage cost and the monthly payments

I had a joint mortgage with my ex-wife now I'm off that and on my own am I a first time buyer again

After separation, what am I classed as for mortgage purposes? Am...

Separation

What happens to our mortgage after divorce?

We want to help our son & his wife buy a home. What's the best way to do this?

We are a married couple in our late 50's happy to assist our son...

Outstanding CCJs

I have several CCJs and looking to apply for a mortgage

Poor Credit History

I have bad credit

Can our daughter get a guarantor mortgage & put a charge on ours?

Hi, my wife and I own our on home valued at £300,000 without...

Builders Gift Deposit

Hi i've been looking at buying a house through Barratts, they...

Capital raising on parent's home

I would like to borrow some money secured on my parents house

With a low credit score can we get a mortgage with a 5% deposit?

My husband and I have a 5% deposit for a house priced £126,500....

Shared Ownership & Stamp Duty

My partner and I are looking to buy a property through shared...

If my ex husband dies am I solely responsible for our mortgage?

My ex husband and I have both our names on the mortgage and he...

How Can I get a CCJ Removed from My Credit File?

We have just put an offer in n a house, with a 10% deposit, we...

First Time Buyers

Am I classed as a first time buyer?

Satisfied Default

Your credit history is likely to make it impossible for you to...

Why won't Nationwide let us use a parental gift as our deposit?

Nationwide will not accept our deposit as part of it is a gift...

Can we exchange contracts now, and delay completion for 6 months?

We want to buy a house but not move in for 6 months. The seller...

How much deposit will I need?

If I wanted to buy a house for the value of £110,000, how much...

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