Mortgage deals for first-time buyers
We have special offers to help you buy your first home. See our first-time buyer mortgages.
Who can apply for a mortgage?
You must be at least 18 years old to apply. You can apply for a mortgage on your own or for a joint mortgage.
As long as at least one person has never owned a property before, you can apply for our first-time buyer mortgages.
You must pay off your mortgage before you reach 75, and if you are taking out a joint mortgage, it is the age of the oldest person that is taken into account.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
How much can I borrow?
The amount you can borrow will depend on what we think is a sensible amount to lend you and what you can afford.
We’ll look at your income, your outgoings and any records of previous loans or credit. We’ll also take into account the value of the property you want to buy and the deposit you have.
What about the deposit amount?
Generally you’ll need 10% deposit, but we may offer special deals if you have less, see our mortgage deals.
If you buy a new-build (a property which was first occupied less than six months ago) then our deposit requirements are different, you’ll need to have at least 20% deposit.
Mortgage types
The two most popular types of mortgages are:
To understand more fully what to look for in a mortgage, see our Mortgages explained guide.
See the costs, our mortgages and how to apply.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Calculate your way to your first home in 3 easy steps
We’ve developed a range of easy-to-use calculators to help you on your way towards your new home.
How much can I afford?
Use our budget calculator to work out how much you can afford to put towards mortgage payments or towards saving for a deposit.
Go to Budget calculator
How much can I borrow?
Use our borrowing calculator to get a good idea of how much you could borrow. Remember that for most of our mortgages you’ll need a 10% deposit, which means you’ll be borrowing a maximum of 90% of the property's value.
Go to Borrowing Calculator
How much will it cost?
Once you’ve decided how much you’d like to borrow and looked at our mortgage deals, you can then find out how much this will cost in monthly payments.
Go to Mortgage Payments Calculator
Certain fees will apply when you get a mortgage with us, these are shown in ‘Fees & charges’ on pages showing mortgage rates.
The mortgage costs involved may include:
Your mortgage expert will explain what fees apply to your mortgage.
See the basics, our mortgages and how to apply.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Mortgage deals you might be interested in as a first-time buyer:
See the basics, the costs and how to apply.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
How do I start my mortgage application?
Don’t worry if you haven’t found the right place yet. To get a lending decision you don’t need to have the specific property details, or even have made up your mind about which mortgage you’d like.
Start your application online
You can save time by filling in your details online. You can even start a joint application, you'll just need to fill out the details for both of you. It’ll take around 20 minutes to complete your details and then one of our mortgage experts will call you back at a time that suits you and offer all the help you need to continue.
You'll just need to let us know the following:
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Speak to one of our mortgage experts
Call 0800 783 3534
We’re open 8am-8pm Monday to Friday and 9am-2pm on Saturdays.
Book an appointment at your nearest branch by using our request form. Just select 'Mortgages' first and then 'Book appointment with a mortgage expert'. We'll call you back to confirm a day and time that works for you.
Request a pack
If you're not quite ready to start applying you can receive more information in the post. Find out how to request a mortgage information pack.
See the basics, the costs and our mortgages.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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.