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Mortgages for first time buyers

We are here to help you, because getting your first mortgage doesn’t have to be stressful

  • £250 cashback if you've had a current account with us for 3 months or more. Terms apply. Read our terms and conditions for more information.
  • For every new customer mortgage completed, we give £25 to Centrepoint - a youth homelessness charity, and our charity partner. Learn more about the work we do with Centrepoint.

    Centrepoint homelessness charity logo

Get started with our mortgage tools

Check your eligibility online

  • Our mortgage in principle request only takes 10 minutes.
  • There's no impact on your credit score.
  • It's not a commitment to lend. For that you'll need to go through a full application process.

Check our eligibility criteria

See how much you could borrow

Mortgage calculator

Our mortgage calculator lets you see the maximum we could lend you.

Go to the mortgage calculator

Need support? Speak to one of our mortgage advisers.

Call us to talk to an advisor

08000 288 288

Monday - Friday 8am - 8pm

Saturday 9am - 1pm

Call charges


Your mortgage explained

The timeline shows you the steps you'll need to take to buy your first home.

Go to the timeline

Find your mortgage

Compare our rates and see which mortgage option is right for you.

See our mortgage rates

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

Got questions?

See if our FAQs can give you the answer.

Important information

General information for regulated mortgages

Download General information for regulated mortgages PDF (210KB)

How we use your personal information

Download How we use your personal information PDF (622KB)

Mortgages legal information

Read more

The Co-operative Bank reserves the right to change or withdraw any of its mortgage deals at any time. All loans are subject to status and valuation.