Notices

  • Service update - due to planned essential maintenance our Online Service will be unavailable on Friday 28 January from 18:00 until Saturday 29 January 12:00.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)

  • Please note that the Premium Saver (5) has now been withdrawn from sale. 
    If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.
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First time buyer mortgages

We have a range of fixed rate mortgages available which are suitable for first time buyers.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

First time buyer help

Trust us when we say there are no silly questions when it comes to buying your first home. And we've heard pretty much all the questions there are to ask before. If you have any questions about our mortgages, or around the process of getting your first mortgage and buying a home, give our friendly team a call and they will be more than happy to help.

We've also created a range of helpful mortgage guides filled with information about what you need to know when buying a home.

See all our mortgage products below or select two to compare side by side. Then see their full details.

 

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Initial interest rate Current follow on rate Overall cost for comparison Repayment or Interest-Only? Max % Loan to Value (LTV) Product fees Additional
benefits

2.44% 2 year fixed rate
2.44% 4.39% 4.1%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • Loan to Value - Maximum 60%
  • Application fee - £175 (£125 for further advance, £0 for product switch)
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  2% until 30/04/2023, 1% until 30/04/2024
  • Maximum loan - No maximum.
  • Minimum loan - £45,000. £2,000 for further advance. No minimum for product switches.
  • Additional criteria – The mortgage must complete by 01/06/2022

See full details for fee details, documents you'll need, and more.

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See full details See what I could borrow
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2.54% 2 year fixed rate
2.54% 4.39% 4.1%APRC
  • Repayment
 80% £999~  £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase, remortgage, product switch and further advance
  • Loan to Value - 80%
  • Application Fee - £175 + Valuation Fee (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£125 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£125 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/04/2023, 1% until 30/04/2024
  • Maximum loan - No maximum
  • Minimum loan - £45,000. £2,000 for further advance. No minimum for product switches.
  • Additional criteria - The mortgage must complete by 01/06/2022

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
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2.54% 3 year discounted rate by 1.85%
2.54% 4.39% 4.1%APRC
  • Interest-Only
 80% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase and remortgage
  • Discount - 1.85% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.44% 
  • Loan to Value -  Maximum 80%
  • Application fee - £175 + Valuation Fee                        
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. 
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. 
  • Additional benefits:
    - ^Cashback - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  3% in the first year, 2% in the second year, 1% in the third year           
  • Maximum loan - No maximum.
  • Minimum loan - £45,000

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
Ask us to call you back

2.64% 2 year fixed rate JMSO
2.64% 4.39% 4.2%APRC
  • Repayment
 80% £599~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - 80%.
  • Application fee - £175 + Valuation Fee. (£125 for further advance. £0 for product switch)
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance. £0 for product switch) 
  • ~Product fee - £599 for loans up to £500,000. (£0 for further advance. £0 for product switch)
  • Maximum loan  - £500,000.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Additional benefits:
    - ^Cashback     - £500 cashback on completion for remortgage applications
  • Early Repayment Charges -  2% until 30/04/2023,1% until 30/04/2024
  • Additional criteria – The mortgage must complete by 01/06/2022

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
Ask us to call you back

2.84% 2 year discounted rate by 1.65% Offset mortgage
2.84% 4.49% 4.3%APRC
  • Repayment
 60% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

Payment or Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction. Find out more about these options here
  • Discount - 1.65% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 2.74% 
  • Loan to Value - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£0 for further advance and switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance and switch)
  • ~Product Fee - £999 for loans up to £500,000. (£0 for further advance and switch)
  • Additional benefits:
    - ^Cashback     - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver.
  • Maximum loan - No maximum.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges -  2% in the first year, 1% in the second year
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
Ask us to call you back

2.94% 2 year discounted rate by 1.55% Offset mortgage
2.94% 4.49% 4.3%APRC
  • Repayment
 80% £999~ £500 cashback for remortgages and £100 cashback for Offset Saver account^

Payment or Term reduction

Some key features of this mortgage

  • Purpose - Offset applications for purchase, remortgage, product switch and further advance
  • Options available - Term reduction or payment reduction. Find out more about these options here
  • Discount - 1.55% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 2.84% 
  • Loan to Value - Maximum 80%
  • Application fee - £175 + Valuation Fee for purchase and remortgage.
  • Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. 
  • ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount.
  • Additional benefits:
    - ^Cashback     - £500 on completion for remortgage applications towards legal costs, and £100 for remortgage and purchase applications added to Offset Saver. 
  • Maximum loan - No maximum.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Early Repayment Charges - 2% in the first year, 1% in the second year
  • Additional criteria - You are required to open an Offset Saver account in conjunction with this mortgage. On completion of the mortgage, a cashback amount will be used to open your linked Offset Saver account: £100 for remortgages and purchases.
  • Additional features - Overpayments and partial capital repayments allowed. Overpayments build up a credit position to be used for future underpayments, payment holidays and borrow back - allowed to the remaining value of previous overpayments with our prior agreement. 100% of the loan amount can be offset.

See full details for fee details, documents you'll need, and more.

Take the next step:

See full details See what I could borrow
Ask us to call you back

Comparing two mortgage products

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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.