Top 10 Best First Time Buyer Lenders in the UK (2026)
Ranked shortlist of lenders in our directory with first time buyer focus.
Shortlist
Lenders in our directory with first time buyer focus, ordered as below.
| # | Lender | Verified | Rating |
|---|---|---|---|
| 1 | Accord Mortgages | 2.4 (168) | |
| 2 | Bank of Ireland UK | - | |
| 3 | Barclays | 4.4 (762) | |
| 4 | Co-operative Bank | 2.2 (47) | |
| 5 | Halifax | 3.2 (21) | |
| 6 | Lloyds Bank | 2.5 (19) | |
| 7 | NatWest | 3.0 (75) | |
| 8 | Santander UK | 1.7 (14) | |
| 9 | TSB | 1.5 (53) | |
| 10 | Cambridge Building Society | 4.6 (10) |
How this list is built
We use transparent directory signals only — no paid placement. Lenders must show active first time buyer focus in our lender directory data. Order is based on active status, lender type grouping, then alphabetical tie-break. This is directory ordering, not a personal recommendation or financial advice.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify details directly and seek independent advice before making financial decisions.