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Buying your first home

Buying your first home is one of life's great experiences. But it can be hard work too, understanding all the ins and outs of the process and the mortgages available. Planning and preparation will help; speak to one of our mortgage advisors and see how we could guide you onto the property ladder.

First-time buyer guide at a glance

Sort out your finances

Before you do anything, we recommend you take your time and speak to a Woolwich mortgage advisor and also other people who have already bought a property. Next, find out how much you could borrow and use our Budget planner to find out how much you might be able to afford.
Consider pooling resources with friends or family. Talk to us and we could help you choose a first-time buyer mortgage.

Choose your property

Put in an offer on your chosen property. If it's accepted, you'll need to appoint a solicitor - again, it's worth seeking advice on who to use. Then, with our help, complete your mortgage application and we'll let you know about surveys and legals. We can also help you arrange insurance.

Move in

When you and your solicitor are happy, contracts are exchanged. Let everyone know you're moving. Make a checklist of what you need to do. Completion is the day you pay the remainder of the purchase price, pick up the keys and move in.

With our expertise we can make sure you find the right mortgage for your needs. Our first-time buyer mortgages are designed to make budgeting easier. Or you could consider our range of fixed rate mortgages, which give you the security of set monthly payments. View our full range of mortgage products.