Helping you every step of the way
Our mortgage team are here to guide you through the mortgage process and to answer your questions.
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First time home buyers
Helping you take your first step on the property ladder
To apply you must be 18+ and resident in the Channel Islands, Gibraltar or the Isle of Man.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Are you buying a home for the first time?
First time buyer mortgages are for people who are new to the housing market.
Generally, you are considered a first time buyer if you’re buying a property you plan to live in as your main residence and you’ve never owned a property before.
Mortgage calculator to set your budget
Our mortgage calculator gives you an idea of how much you could borrow and what your monthly mortgage payments could be.
Get started with our mortgage calculator
Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.
For properties in the Channel Islands, Isle of Man or Gibraltar.
Mortgage help and support
Take advantage of our mortgage resources which are here to help you better understand the process, the terms, and our available products.