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1st place for your first place

Move into your first home with a mortgage from the Best Regional Mortgage Lender.

Applicants must be aged 18 or over. All loans are subject to status.

Tools & calculators

Find out how much you could borrow, estimate monthly payments and request an Agreement in Principle.

How much could I borrow? Estimate mortgage repayments Request an Agreement in Principle
Request an Agreement in Principle
How much could I borrow?
Estimate mortgage repayments

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

Helping first time buyers

New can be scary. As a first time buyer the whole process is new to you, which can be intimidating. Our first time buyer mortgage products give you the benefit of our years of experience as a lender. We'll be there on your journey to offer advice. Our advisors can help you find the right mortgage for you, and our mortgage calculator and other online tools can help you to steer your course.

Benefits of our first time buyer mortgage products

Our first time buyer mortgage products are designed to reassure and reward you, to help make the process of getting your first mortgage as pleasant and enjoyable as possible. To qualify for a Yorkshire Bank first time buyer mortgage, you must be aged 18 or over and live in the UK. At least one party to the mortgage should never have had a mortgage or not had a mortgage in the last 12 months. All loans are subject to status and security will be required.

  • First time buyer mortgages products get £250 cashback at mortgage drawdown.
  • Fixed interest rates - Have the comfort of knowing what your monthly repayments will be for your fixed term.
  • Expert advice - Get the right help and advice you need to help you find the right mortgage from those we offer.
  • Home insurance discount - Get a no claims discount on our home and contents insurance, provided by RSA.*
  • No arrangement fee. Other charges may apply. Early Repayment Charge applies during fixed rate period.
  • Free standard valuation.

Maximum first time buyer mortgage loan amount is £750,000.

* Applies to new home insurance customers who have not claimed on their home insurance in the past 4 years and may not be used in conjunction with any other offer.

Our first time buyer mortgages

Please review our table of mortgage products. Refer to “customer type” column on the table of mortgage products for specific first time buyer products. Other mortgages are available for those buying their first home.

Find out more about our first time buyer mortgages

Help with your first time

Your mortgage award - best mortgage lender 2017-2018

Saving for your mortgage deposit?

We know saving for a deposit for your first home is difficult. With a Help to Buy ISA, the government will pay a bonus of 25% on account balances between £1,600 and £12,000 when you purchase your first home in the UK. Terms and conditions apply, this bonus amount is paid directly to the conveyancer and is not released if the house purchase is not completed. Only available for house purchases under £250K (or under £450K in London). Withdrawing from your ISA will reduce your balance saved and impact the bonus the government will pay.

Please refer to our Help to Buy: ISA webpage for more details#

#There are eligibility criteria and terms & conditions for the Help to Buy: ISA. The account holder must be a UK resident. The product is only available to first time buyers who have never owned a property.

You can also refer to www.helptobuy.gov.uk to understand more about the benefits provided by the government.

More help with mortgages

Supporting you on your journey

We’ve created a range of tools and guides to help you understand the mortgage process.

Find out more about the mortgage journey

Financial aspects to consider

Make sure you’re aware of the costs of buying a home and how many factors can influence the mortgage rate you get.

Find out more about financial aspects

Next steps

Talk to us

You may also be interested in

Our mortgage products and rates

Top Mortgage questions

All frequently asked questions

You are here:  Personal Banking  >  Mortgages  >  First time buyers

You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.