First Time Buyers

Buying your first home can feel like a lot to take in. We’re here to make it simple, from working out what you can afford through to picking up the keys, with clear advice at every step.

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Up to 6.5x income
vs 4.5x with most lenders
We work with lenders, including Coventry Building Society, who may offer up to 6.5x income for qualifying first-time buyers, well above the usual 4.5x cap, helping you afford more home.
Ask an adviser if you qualify
Enhanced income multiples depend on individual circumstances, income type, credit profile and lender affordability checks. Speak to us to see what could apply to you.
A cozy living room with a beige sofa, a round cup on a coffee table, books, a green armchair, a floor lamp, a window, and a blue vase with dried flowers on a wall shelf, illuminated by natural sunlight.
A cozy living room with a beige sofa, a round cup on a coffee table, books, a green armchair, a floor lamp, a window, and a blue vase with dried flowers on a wall shelf, illuminated by natural sunlight.

Dream it

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Dream it

Dream it 〰️ Dream it

Your journey, step by step

See how much you

could borrow Most lenders use an income multiple of around 4.5x, but some may offer up to 6.5x depending on your circumstances. Try our quick calculator to get a rough idea of your budget, then speak to us to find out what you could really borrow.

Helpful reading for first-time buyers

Ready to take the next step?