Personal banking > Mortgages > Guides & help > First time buyer guide

First Time Buyer Guide

Let us help you

Mortgage calculators
Opens in a new window.

Mortgages help
Opens in a new window.

First time buyer guide

Rate this site
Opens in a new window.

Start applying online

Call our Mortgage Experts
0800 783 3534*
8am-8pm Mon to Fri
9am-2pm Sat

Visit your local branch

What Mortgage Awards 2011. Winner best first time buyer initiative.

Buying your first home – the essential guide
If this is the first time you’ve bought a house then the process can seem daunting. There’s lots to think about, so that’s why we’ve put together this guide to outline the steps involved in the journey to owning your own home.

This guide applies to the house buying process in England and Wales only.

Planning ahead

What you can afford

Searching for the right place

Making an offer

Arranging protection for your home and family

The legal process

Exchanging contracts

Completion

If you’d prefer a paper copy of this guide, visit your local Lloyds TSB branch or request a first-time buyer pack.

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 Scotland plc offer their own range of mortgages find out more.

*Lines are open 8am-8pm Monday to Friday and 9am-2pm on Saturdays. We’re closed on Sunday and Bank Holidays. We may monitor or record calls with you to improve the quality of our service.