Helping more first time buyers, nationwide.

Discover why your clients should choose Nationwide for their first mortgage, find help with applications, and learn how Helping Hand could boost their borrowing.

With your support we help more people get their first mortgage than anyone else*.

Helping Hand

Helping Hand could help your clients borrow up to six times their income when taking a 5 or 10 year fixed rate product.

Learn about Helping Hand

Product finder

Use our product finder to get the right first time buyer mortgage product for your clients.

Product finder

Affordability calculator

See how much your first time buyer clients could borrow.

Use our calculator

Why choose Nationwide?

Homebuyer product range available up to 95% LTV
£500 cashback available
Helping Hand offers first time buyers an increased loan amount when taking a long term fixed rate product
Further access to low deposit mortgages through our support of affordable housing schemes
No standard valuation fees
Help to Buy: ISAs accepted from any lender towards the property purchase price
Fully portable products, helping your client to move again in the future.

Additional help with your first time buyer applications

Housing schemes

Help to Buy – Equity Loan support, Shared Ownership, Forces Help to Buy and other housing schemes could support your first time buyer clients.

See our Housing schemes

Higher LTV criteria

Before submitting an application, read our tips and enhanced criteria to help get your application right first time.

Read our enhanced criteria

Packaging support

Read our range of packaging guides which could help you receive a quicker offer.

Go to our guides

First time buyer criteria and case support

First time buyer definition This will reveal additional content

Applicants who haven't held a mortgage in the last three years (this includes UK and non-UK mortgages).

All applicants to the mortgage need to be first time buyers to qualify for first time buyer products/discounts.

First time buyers are not eligible for interest only purchase applications.

We need to underwrite some cases in more detail. To prevent delays for your clients, please see our key information for DIP refer cases.

First time buyer cashback eligibility This will reveal additional content

We'll only pay one £500 cashback per mortgage and this is payable to your client within one month of completion of the mortgage.
This cashback offer only applies to customers who reserved their product on or after 13 May 2015.
To qualify as a first time buyer your client must not have held a mortgage in the last three years. This includes UK and non-UK mortgages.
All applicants to the mortgage need to be first time buyers to qualify for first time buyer products or cashback.

*Source based on the number of residential first time buyer mortgage completions in the UK by banking brand, between January – December 2024. Provided by CACI Ltd Mortgage Market Database.

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Broker Chat

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Search our A-Z criteria

Our A-Z criteria may have the answer you're looking for.

View our A-Z criteria