Getting on the property ladder isn’t easy. Our first-time buyer mortgages can help. Start with these key steps to finding a mortgage.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Knowing how much you can borrow will help you find a property you can afford. Find out how much you might be able to borrow from us using our borrowing calculator.
Once you know how much you can borrow, you can compare what mortgages are available to you and work out how much they will cost you each month.
We have a wide range of mortgages, use our comparison tool to find one that's right for you.
As long as at least one person applying has never owned a property before, you can apply for our first-time buyer mortgages. You also have to be at least 18 years old, and you must pay off your mortgage before you reach 75. If you’re taking out a joint mortgage, it’s the age of the oldest person that’s taken into account.
Generally, you’ll need 10% deposit, but we may offer special deals if you have less. See our mortgage offers If you buy a new-build – that is, a property built less than six months ago, you’ll need to have at least 20% deposit.
As a first-time buyer, choosing a mortgage and understanding all the additional details and steps that go with it can be daunting. Use our guides to help chart the course towards your home purchase.
Save time by completing our online form. It should take around 20 minutes to complete and we'll then call you back to help you through the next steps.
You’ll need the following details:
Save time by completing our online form, it should take about 20mins to compete and then we’ll call you back to take you through your application.
To talk to an expert, and apply over the phone.
We’re open from 8am-8pm Monday to Friday and 9am-2pm on Saturdays.
We’re closed on Sundays and Bank Holidays.
Just select Mortgages first and then book appointment with a mortgage advisor. We’ll call you back to confirm a day and time.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.
Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds TSB Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.
Lloyds TSB Scotland plc offer their own range of mortgages. Find out more.
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