Your home may be repossessed if you do not keep up repayments on your mortgage.
Minimum deposit
Rates from
Mortgages ranging from
Buying your first home can feel overwhelming, but we're here to make it simple. Follow these steps and we'll guide you through your home buying journey.
Start searching for your dream property.
Not found it yet? No problem. You can still speak to us about your borrowing options. Knowing your budget early makes house‑hunting easier.
Get in touch with us to see what you could borrow.
Why this matters: It gives you confidence when making an offer and helps you plan ahead.
Book an appointment with one of our experts. We'll discuss your needs, explain your options, and find a tailored mortgage deal that works for you.
What you’ll need: Income documents like payslips and bank statements.
Once you've found the right home, make your offer to the seller or estate agent.
Tip: Having your mortgage options lined up can make your offer stronger.
When your offer is accepted, call us again. We'll guide you through your mortgage application and support you all the way to completion.
A mortgage of £139,000 payable over 21 years, initially on a fixed rate for 5 years at 8.24% and then on a tracker rate of 1.8% above the Together Homeowner Managed Rate (THMR) currently 8.00% (variable), for the remaining 16 years, would require 60 instalments of £1,184.03 followed by 192 monthly payments of £1,303.09 plus a redemption administration fee of £100.00. Read more information on THMR.
The total amount payable would be £321,335.08 made up of the loan amount (£139,000) plus fees (arrangement fees (£1,995), broker fees (£698) and redemption admin fee (£100), plus interest (£179,542.08).
The overall cost for comparison is 9.6% APRC representative.
The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.
Do you want to understand the potential cost of your mortgage or loan?
We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.
Find out hereA first time buyer mortgage is specifically for people who are yet to own their own home.
If you have owned any type of residential property before, including property you have inherited, you won’t be classed as a first time buyer, even if you have never bought a property before.
The process for a first time buyer will differ slightly, as you will need to have a cash lump sum as a deposit. When you come to buy a second house, the equity you have built up in your current property will be used to fund the deposit.
With Together, first time buyers need a minimum deposit of 25%, with the rest of the money for the property coming from the mortgage.
The price of the house isn’t the only cost involved with buying your first property. First time buyers can expect to shell out for a house survey, legal fees, and removals.
If you're a first-time buyer but your partner is not, unfortunately, you'll still need to pay the full Stamp Duty tax.
If you find yourself unable to work due to sickness, or lose your job, mortgage protection covers the cost of your monthly payments – usually for 12 months. It isn’t compulsory to take out mortgage protection, however you should have a plan for how you will make your mortgage payments if you encounter unforeseen circumstances.
