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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.

Start or continue an Agreement in Principle How much could I borrow? Estimate mortgage repayments
Start or continue 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 mortgage products get £250 cashback at mortgage drawdown.
  • Fixed interest rates for a period of time - have the comfort of knowing what your monthly repayments will be during your fixed rate mortgage period.
  • 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 product 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

Best First Time Buyer Mortgage Provider 2019Your mortgage award - best mortgage lender 2017-2018

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

Interested in a mortgage?

Your next steps

Give us a call

  • If you've got any questions, get in touch.

    Mortgage application enquiries

    0800 023 2201

    Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm


    Existing mortgage servicing enquiries

    0800 121 4203

    Monday to Friday 8am-5pm with Saturday opening of 9am-1pm. Closed Sunday

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.