Buying your very first home

If you’re a first time buyer, find out how we can help you get your foot on the property ladder with a range of products to suit your needs. Buying your first home means making big decisions – where should you live? Which property should you make your home? How will you pay for it? The answers are up to you, but Darlington Building Society is here help you feel more confident making those big decisions.

Click here to go straight to our latest rates for First Time Buyers.

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.

Check out our First-Time Buyer rates

We aim to cater for people buying their first home with mortgage products suited for your needs. Many of our mortgages are available to you for your newly built home using the Government's Help to Buy Equity Loan Scheme.

Know what you can afford

It is not in your or our best interests for you to borrow more than you can afford to repay. Our current policy is to carry out a financial assessment based on your ability to keep making monthly repayments and the value of the property you are using as security. To help us make our assessment we will ask you for details of all your income and expenditure.

The deposit

Depends on the value of the property you wish to buy and the amount of your loan compared to the valuation of the property. (The loan-to-value is shown as a percentage).

Each mortgage product requires a different deposit so please speak to one of our friendly Mortgage Advisors to find out more.

Monthly payments & affordability

There are many factors which can influence what you will pay on a monthly basis and what you can afford. And as always, our friendly Mortgage Advisors are on hand to help.

Additional costs

You may have to pay the following when you are buying a home and getting a mortgage.

• An estate agent’s fee.
• Legal fees.
• An application fee, product fee or any other fees which are detailed in the ESIS illustration.
• A valuation fee.
• A higher lending charge.

Your ESIS illustration includes details of all the other relevant costs relating to your mortgage. If any of our administration fees change, we will send you notice of these at least once a year.

Start your application

If you're ready to start your application then click below to proceed. Make sure you have everything you need in order to quicken the process.

Ways to apply

We know buying your home can be tricky so we have broken down the process to help you understand it better.

Guide to the home-buying process

Want to speak to a friendly staff member?

Sometimes it's easier to discuss things face-to-face. All our branches have staff ready and waiting to talk. If you’d like to discuss your options or you think you need help, call in at your local branch.

Branch finder

Alternatively call our enquiries line between:

9am and 5pm Monday to Friday (9:30am and 5pm Tuesday) or
9am and 12pm on Saturday

Our staff will be more than happy to help with any questions or queries

Don't take our word for why you should consider a mortgage from Darlington Building Society. Have a read at what some of our customers have to say.

What members say about us

You can pay your mortgage or any fees via direct debit online.

Pay your mortgage or fees online