First-time buyer hub
Find out everything you need to know about buying your first home

Here you'll find everything you need to know in our first-time buyer hub, from from finding the perfect property and the mortgage process right through to the big move and everything in-between.

Finding the perfect property Read more
Read our guide to find out what you should look for when viewing properties.
Your first mortgage appointment Read more
Wondering what happens during your first mortgage appointment? Click here to find out more
Making an offer Read more
You've found your dream property and it's time to make an offer, here's what you can expect to happen and things you should know.
Finalising your mortgage Read more
Getting your first mortgage is easier than you think and we are here to guide you through the process.
Moving house guide Read more
Here's what you need to know if you're offer has been accepted and what happens next.
Frequently asked questions Read more
Have a question? We've put together our most frequently asked questions in this handy guide.
Liam & Laura, First-time buyers

‘It has been far, far easier than we ever anticipated. Going to The Cumberland was the last swing of the bat for us and we came out thinking how easy that was.’

Liam & Laura, First-time buyers

Not sure what to expect in your first mortgage appointment?

We know that for many first time buyers, getting your first home and mortgage can be a daunting prospect, but for most, it was actually easier than they thought.

Ryan, our Dumfries, Gretna and Lockerbie branch manager explains what happens in your first mortgage appointment and what you should bring with you.

Looking for more information?
We've put together a really useful guide with 8 easy steps to owning your own home, from finding the perfect property and the mortgage process right through to the big move and everything in-between!
Download our first-time buyer guide
Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.