Your income (including partner).
Your income per year, in GBP.
Your total savings for a deposit and fees.
This is your total savings for deposit, stamp duty, and additional fees (don't worry, we'll work out how much for each).
The property price you're aiming for
When you're aiming to buy
See what you can borrow
See what you can borrow, what your mortgage payments would be, and get an idea of fees.
RECOMMENDED NEXT STEP
Compare mortgage rates
See the total cost of different mortgages using our comparison tool.
Learn everything you need to know about mortgages, jargon free.
Mortgage in principle
You can take this certificate to your estate agent to help you buy. Learn more and get yours in 10 minutes.
Expert mortgage advice
Tell us a bit more about you, then chat with a fully-qualified mortgage expert to get free personalised mortgage advice.
Ready to apply?
If you've had an offer accepted, start your mortgage application now.
Stamp duty relief for first time buyers
When you buy a home, you usually have to pay a tax on it called stamp duty. But not if you're buying for the first time.
Help to buy and shared ownership
A small deposit doesn't mean you can't buy. With help from the government, you could dramatically lower your costs.
First time buyer schemes
Offers and support to help you save money and find the best rates you can.
4 top tips for first time buyers
Do your sums. Be flexible. Get your documents ready. And remember - you don't have to do it alone.
How to save for your deposit?
A few tips to help you save up - plus a few other costs to think about.
Get credit ready
See your score, and learn how to improve it.
Wow! The team at Habito have gone above and beyond in helping me get a mortgage. As a first time buyer, it's a daunting process, but I felt really comfortable throughout.
Sar, April 2019
Teddy, Habito mortgage expert
After you sign up, you'll get a Habito mortgage expert. They'll be online and on the phone whenever you need them, and by your side the whole way.
Teddy has been as responsive, well-informed and charming to deal with as I could have hoped. No question too much trouble, making time to respond even over the bank holiday weekend, and genuinely seeming to care.
Richard, May 2019
When it comes to mortgages, there’s no such thing as a silly question. You might like to start with: What is a mortgage? Then explore more articles and guides:
First time buyer mortgages explained
What are the different types of mortgages?
How much deposit do I need to buy a house?
Mortgage in principle explained
Which loan is best for first time buyers?
See all our mortgage guides