First-Time Buyer Tool
First-Time Buyer Readiness Checker
Get a simple summary of where you stand and what to think about next.
A few questions help us gauge how close you are to applying for your first mortgage. This is general guidance only — borrowing decisions depend on full lender assessment.
About you
Cash saved so far. Examples: 20000, 20,000 (UK), 20.000 (EU).
Realistic price for your area, e.g. 250,000 or 250.000.
Your readiness summary
Nearly there
You're getting close
Suggested next step: An adviser can review your deposit, income evidence and credit profile, then map out the few steps needed to be application-ready.
Deposit as % of price
8.0%
Most lenders prefer at least 5–10%.
Loan-to-value (approx.)
92.0%
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.
This is an estimate only and does not constitute financial advice. Speak to an adviser for personalised guidance.
Ready when you are
Speak to an adviser today.
Whether you're buying your first home, planning ahead or protecting what matters most — our advisers are here to help, on your terms.