First time buyer mortgage

If you’re looking to buy your first property, you’re in the right place. 

Step up onto the property ladder

We’ll help you understand the house buying process and find the right mortgage for you.

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1. Learn about the home buying process

From planning your finances to moving in, our 10 step guide to buying your own home will guide you each step of the way.

Read our 10 step guide

2. See how much you could borrow

Our mortgage calculator will give you an idea of how much you might be able to borrow. Fill in your details to see interest rates and compare monthly payments.

Calculate now

3. Arrange a visit and find out what mortgage is best for you

Come into your local branch and speak to one of our mortgage experts. They’ll talk you through your options and find the best deal for your needs.

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This product is designed for customers living in the Channel Islands or the Isle of Man.

Information on our mortgages for customers in the United Kingdom.

Lending is at the Bank’s discretion and you must be 18 or over and resident in Jersey, Guernsey, Alderney or the Isle of Man to apply. Security will be required.

You could lose your home if you don’t keep up your mortgage repayments.

Find out our rates and offers

We have a number of different rates and offers based on your circumstances. Book an appointment in one of our branches or give us a call to find out more.

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Government schemes

From time-to-time, we support government initiatives to help people buy a home. As you're a first time buyer, there could be a scheme that's right for you. Visit your local government website to see what you’re eligible for in your location.

How to apply

Use our contact form or call us to make an appointment.

Key terms explained

Get up to speed on mortgage terms before you start.

Branch finder

Find your local team in Jersey, Guernsey, Alderney, or the Isle of Man and arrange a visit.

The Bank conducts its business in accordance with local legal and regulatory requirements, including anti-money laundering requirements which require the Bank to disclose information that would otherwise be confidential in circumstances where the Bank suspects its customer is benefiting or engaging in criminal activity including tax fraud.