Could you buy your first home
in South Wales?
FIRST HOME READY CHECK
Answer a few quick questions, then talk it through with a qualified mortgage advisor who knows Cardiff and Newport. No obligation
✔ How much you could borrow, and what you'd be comfortable repaying
✔ Whether Help to Buy - Wales or other options could work for you
✔ Clear next steps, even if you're not ready yet
What you'll find out
One conversation and you'll know where you stand
Your borrowing
How much you could borrow and what you'd be comfortable repaying each month.
Your borrowing
Your deposit
How much deposit you're likely to need for the homes you're looking at.
Your credit
What lenders will look at in your credit file, and anything worth tidying up first.
Your options in Wales
Whether Help to Buy - Wales or other routes could work for you.
How it works
STEP 1
Answer a few questions
About your income, savings and plan
STEP 2
Talk to our advisor
They call you at a time that suits
STEP 3
Get your plan
A clear picture of where you stand and what to do next
Buying in Wales works differently
The new national scheme
'Your First Home' is for new builds in England. it doesn't apply in Wales
Scheme details correct at 25 October 2026 and subject to change. Your advicor will confirm what applys to you.
Help to Buy - Wales
For new builds up to £300,000 with a 5% deposit and an equity loan of up to 20%. Open until 31 March 2027
Land Transaction Tax
Wales has Land Transaction Tax. not stamp duty. At current rates homes up to £225,000 pay none.
Questions
No, it’s for England only
The “Your First Home” scheme covers new-build homes in England. If you’re buying in Wales, Help to Buy – Wales may help instead. It’s open until 31 March 2027 for new-build homes up to £300,000, with a 5% deposit and an equity loan of up to 20%. Most first homes aren’t new builds, though, so your Ready Check looks at all the options that could work for you.
No, the Ready Check won’t affect your credit score.
Answering our questions and talking to our adviser doesn’t involve a credit search. If you later decide to apply for a mortgage, your adviser will explain any credit checks before they happen.
That’s fine, there’s no pressure
Lots of people take the Ready Check months before they buy. You’ll find out where you stand today and what to work on, such as your deposit, your credit file or your paperwork. When you’re ready, we’ll be here.
No, the Ready Check is free.
There’s no charge for the Ready Check or your first conversation with our adviser. If you go on to arrange a mortgage, your adviser will explain any fees clearly before you commit to anything.