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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

Woman has foot on ladder, thinking, she is decorating. Her white dog relaxes on the floor.
  • Getting a mortgage
Mortgage interest rates
Understand mortgage interest rates and how they impact you.

Principality expert

4 mins

A grandmother, mother and child sit on an armchair and smile at a tablet screen.
  • Saving your deposit
Getting family help onto the ladder

Your options if your family want to help you get on the ladder.

Principality expert 3 mins

Couple at their dining table. One man holds his phone and a card and the other man holds calculator
  • Saving your deposit
How much can I borrow?
Find out how much you could borrow and set a realistic savings goal.

Principality expert 1 min

A couple sits on their stairs looking at paint colour cards, surrounded by decorating tools.
  • Saving your deposit
Additional costs first time buyers should save for
Prepare for first home costs like stamp duty, legal fees, surveys, and more.

Principality expert 4 mins

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.

Step 2: Save your deposit

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

Step 3: Get your mortgage

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

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