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First time buyer guides

Get mortgage confident. Let’s break down the home buying process and help you get your home. Our guides provide general information, not advice.

Recently added

A couple sits on their stairs looking at paint colour cards, surrounded by decorating tools.
  • Saving your deposit
Costau ychwanegol y dylai prynwyr tro cyntaf gynilo ar eu cyfer
Paratowch ar gyfer costau cartref cyntaf fel treth stamp, ffioedd cyfreithiol, arolygon, a mwy.
 

Arbenigwr Principality

4 munud

Couple on their sofa smiling looking at a laptop. The woman hugs the man.
  • Getting started
Cytundeb mewn Egwyddor ar gyfer Morgais: beth sydd angen i mi ei wybod?
Sut y gallai Penderfyniad mewn Egwyddor eich helpu wrth chwilio am dŷ. 

 

 

Arbenigwr Principality 3 munud

A woman is holding a laser measure in one hand and a notepad in the other.
  • Getting a mortgage
A oes angen arolwg arnaf?
Deall beth yw arolwg a pham allech fod am ystyried cael un.

Arbenigwr Principality 3 munud

A grandmother, mother and child sit on an armchair and smile at a tablet screen.
  • Saving your deposit
Cael cymorth gan y teulu i brynu tŷ am y tro cyntaf

Eich opsiynau os hoffech eich teulu eich helpu i brynu tŷ am y tro cyntaf.

Arbenigwr Principality 3 munud

Step 1: Brush up on the basics

Thinking about buying your own place? It can be hard to know where to start. Let’s make it simple.

Couple on their sofa smiling looking at a laptop. The woman hugs the man.
  • Getting started
Cytundeb mewn Egwyddor ar gyfer Morgais: beth sydd angen i mi ei wybod?
Sut y gallai Penderfyniad mewn Egwyddor eich helpu wrth chwilio am dŷ. 

 

 

Arbenigwr Principality

3 munud

A man and a woman are sat at a dining table. They are looking at a piece of paper and a touchpad.
  • Getting started
Egluro LTV
Gall y gymhareb rhwng bethyciad a gwerth (LTV) achosi dryswch. Dyma beth ydyw a sut y gallai effeithio ar eich morgais.

Arbenigwr Principality

3 munud

Two women sit at a desk. One woman is showing her phone screen to another and pointing.
  • Getting started
Pam ddylwn i ddeall fy sgôr credyd?
Dysgwch fwy am sgorau credyd a pham ei fod yn bwysig ar gyfer eich morgais.

Arbenigwr Principality

3 munud

Two women sit at a dining table. One is making lunch and another holds a touchpad.
  • Getting started
Egluro morgeisi a blaendaliadau

Dadansoddi sut mae morgeisi a blaendaliadau yn gweithio.

Arbenigwr Principality

4 munud

Step 2: Save your deposit

Started putting money aside towards your deposit? Here’s how to save and stay on track.

A couple sits on their stairs looking at paint colour cards, surrounded by decorating tools.
  • Saving your deposit
Costau ychwanegol y dylai prynwyr tro cyntaf gynilo ar eu cyfer
Paratowch ar gyfer costau cartref cyntaf fel treth stamp, ffioedd cyfreithiol, arolygon, a mwy.
 

Arbenigwr Principality

4 munud

A grandmother, mother and child sit on an armchair and smile at a tablet screen.
  • Saving your deposit
Cael cymorth gan y teulu i brynu tŷ am y tro cyntaf

Eich opsiynau os hoffech eich teulu eich helpu i brynu tŷ am y tro cyntaf.

Arbenigwr Principality

3 munud

Couple at their dining table. One man holds his phone and a card and the other man holds calculator
  • Saving your deposit
Faint y gallaf ei fenthyca?
Dysgwch faint y gallech ei fenthyca a gosodwch nod cynilo realistig.

Arbenigwr Principality

1 funud

A couple look at a piece of paper showing finances. The Woman holds baby and the man holds phone.
  • Saving your deposit
Faint sydd angen i mi ei gynilo?
Mae'n ddefnyddiol cael nod mewn golwg wrth gynilo. Dyma sut i benderfynu ar faint rydych am ei gynilo.

Arbenigwr Principality

1 funud

Step 3: Get your mortgage

Ready to house-hunt? Or already gearing up to put in an offer? Let’s get you mortgage-confident.

A woman is holding a laser measure in one hand and a notepad in the other.
  • Getting a mortgage
A oes angen arolwg arnaf?
Deall beth yw arolwg a pham allech fod am ystyried cael un.

Arbenigwr Principality

3 munud

Woman has foot on ladder, thinking, she is decorating. Her white dog relaxes on the floor.
  • Getting a mortgage
Cyfraddau llog morgeisi
Deall cyfraddau llog morgeisi a sut maent yn effeithio arnoch.

Arbenigwr Principality

4 munud

Couple sit on the floor with removal boxes. Woman holds laptop and man holds a piece of paper.
  • Getting a mortgage
Beth i'w ddisgwyl wrth wneud cais am forgais

Beth i'w ddisgwyl ar bod cam pan fyddwch yn gwneud cais am forgais.

Arbenigwr Principality

2 funud

Young couple listening their financial advisor who is using touchpad during a meeting in the office.
  • Getting a mortgage
Deall y gwahanol fathau o forgeisi

Deall y gwahanol fathau o forgeisi a sut maent yn wahanol i'w gilydd.

Arbenigwr Principality

3 munud

A mature couple is sitting at a table. A businessman is showing them a touchpad screen.
  • Getting a mortgage
Beth mae trawsgludwr yn ei wneud?
Deall sut y gall trawsgludwr eich helpu i brynu eich cartref cyntaf.

Arbenigwr Principality

3 munud

Your home may be repossessed if you do not keep up repayments on your mortgage.