MORTGAGES
First-time home buyers
Start the journey to buying your first home
We’ll guide you towards your first mortgage. Follow these steps to get started on the property ladder.
How to buy your first home
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How do I get a mortgage as a first-time buyer? The first step is finding out how much you could afford to borrow based on your income, regular spending, and any debts you might have. Use our calculators to get a quick view of how much you could afford. Then you’ll need to get an Agreement in Principle (AiP) to see if we could lend the amount you need. It takes about 10 minutes and then you can book an appointment online with a mortgage adviser right away.
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How much will I need for a deposit as a first-time buyer? We usually ask for 10% of the amount you want to borrow as a deposit – but some of our mortgages are designed to help if you don’t have that amount.
More ways we can help with buying your first home
Family Springboard Mortgage
A way for families and friends to help with a deposit.
Your family and friends can support you by providing 10% of your property’s price as security – and they’ll get their money back with interest if you keep paying your mortgage on time.
Barclays Money Mentors
First home or new home, we’re here to help
Buying a home should be exciting – that’s why we’re here to offer you guidance on how you can achieve your goals.
Getting a mortgage when you’re self-employed
How to prove your self-employed income
Find out how to prepare for a mortgage application when you’re self-employed and see how we can support you during the process.
Call us on
0333 202 7580
We’re here Monday to Friday from 7am to 8pm, Saturdays and Sundays from 7am to 5pm, and on bank holidays from 9am to 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges(1).
Join the 10 million Barclays app customers
Make money work for you by opening an account in a few simple steps. If the account is just for you and you’re over 18, you can use our app(2).
You can also check our full mortgage range [PDF, 295KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information. Subject to application, financial circumstances & borrowing history. T&Cs apply.
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Important information
Mortgage adviser appointments are available when you are, Monday to Friday from 8am to 9pm, Saturdays from 8:30pm to 5pm and Sundays from 9am to 3:30pm, excluding bank holidays. If you call an 03 number, you’ll be charged your standard rate. To maintain a quality service, we may monitor or record phone calls. Call charges.(Return to reference)
You need to be 18 or over to access this product or service using the app. Terms and conditions apply.(Return to reference)