First time buyer mortgages

First time buyer mortgages

Your first home is one of the most important purchases of your life. We can help you finance your dream home. 

Join us today to access our range of fixed and variable-rate mortgages, designed to suit the needs of first-time buyers.

How to apply

How much can I borrow?

How much can I borrow?

Find out how much we could lend you with our easy to use calculator. 

This will tell you the maximum we could lend you based on your income and provide you with an illustration of monthly mortgage repayments based on our current product range. 

Find mortgage products

Why choose a Glasgow Credit Union mortgage?

We've helped hundreds of members with their mortgage needs.

All mortgages are subject to status and meeting our lending criteria, which will include an affordability and  credit assessment.

Our friendly and knowledgeable mortgage advisors will be with you each step of the way through your mortgage application and remain on hand after you move in to help with any questions you may have. 


  • Exclusive member rates

    As we don’t borrow from other lenders, we aren’t directly impacted by Bank of England base rates. Our rates are based on the credit union’s Standard Variable interest rate.

  • A people-first approach

    Getting a mortgage can be daunting - but our friendly team of experts are here to help. We take a full overview of your personal circumstances before making a decision on your application.

  • End-to-end support

    From a Decision in Principle to handing over the keys and beyond, one of our mortgage advisers will be with you every step of the way.

  • No hidden costs

    We don’t charge a set-up payment and our transparent fee structure means there are no financial surprises throughout the process.

Shared Equity Mortgages

Shared Equity Mortgages

Up to 40% funding is available towards the purchase price with the LIFT scheme, which is aimed at first time buyers (terms and conditions apply). The scheme brings together new ways to help access homeownership.

One of these ways includes the New Supply Shared Equity Scheme. This scheme allows first time buyers to buy a new build property from a Registered Social Landlord (RSL) - normally a housing association or housing co-operative. 

Find out more

Frequently asked questions