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First time buyer mortgages

We've helped over 19,000 first time buyers since 2020.

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With you every step of the way

Whether you’re just starting out, looking at mortgages, or ready to buy we can support you. 

  1. Build your mortgage confidence

    Mortgages are complicated. Know what to expect by reading our short and simple guides.

    Explore our guides

  2. Find the right mortgage

    See the mortgages available, what mortgages may suit you and what your monthly repayments could be.

    View mortgage products

  3. Talk to an expert

    Talk to our mortgage experts about any questions you have, find out how much you could borrow or start your mortgage application.

    How to apply for a mortgage

Need a helping hand?

Getting on the property ladder sometimes requires a little help. We have some ways you can get extra support.

  • A mobile preview of the savings plan on the Principality first home steps app.

    Download our free app

    We'll guide you through the steps of home-buying with the First Home Steps app.

    Donwload the app
  • mother and daughter smiling at each other

    Boost your affordability

    Add your family members' income to your mortgage application to possibly increase the amount you can borrow.

    Joint Borrower Sole Proprietor explained
  • Two women are unpacking plates from a moving box into a cupboard and smiling at one another.

    Get a deposit boost

    Your family member could gift you money towards your deposit by potentially borrowing on their own mortgage.

    Additional borrowing explained
WMA 2023 Best Building Society Customer Service 2018-2023 Winners

Why choose a Principality mortgage

We’ve been committed to helping people buy and live in their homes since 1860.

  • Purchase your home with a 5% deposit

    We understand saving for a deposit can be hard. That’s why we lend up to 95% of the home’s value to first time buyers.

  • Award winning service

    Voted best building society for customer service for the last 7 years by What mortgage.

  • We do things differently

    We don’t have shareholders, so we can give back by investing in social housing and financial education. And we gave £1.3 million in 2023 to community groups and our charity partners. 

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Other ways to get in touch

Call us on 0330 333 4002 or arrange a callback.
Monday to Friday 9:30am - 5pm and Saturday 9am - 1pm

Find out how to apply

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