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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

2.59% 2 year fixed rate

2.59% 4.39% 4.1%APRC
  • Repayment
60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

· Purpose - Purchase and remortgage
· Loan to Value - Maximum 60%
· Fees:
- 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 -  2% until 30/06/2022, 1% until 30/06/2023
· Maximum loan - No maximum.
· Minimum loan - £45,000
· Additional criteria – The mortgage must complete by 01/07/2021

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

2.84% 2 year fixed rate

2.84% 4.39% 4.2%APRC
  • Repayment
75% £999~  £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase and remortgage
  • Loan to Value - Maximum 75%
  • 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
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 30/06/2022, 1% until 30/06/2023
  • Maximum loan - No maximum
  • Minimum loan - £45,000
  • Additional criteria - The mortgage must complete by 01/07/2021

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

2.94% 3 year discounted rate at 1.45%

2.94% 4.39% 4.1%APRC
  • Interest-Only
60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

· Purpose - Purchase and remortgage
· Discount - 1.45% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 2.84% 
· Loan to Value - Maximum 60%
· Fees:
- 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
· Additional criteria – The mortgage must complete by 01/07/2021

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

3.09% 5 year fixed rate

3.09% 4.39% 3.9%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%
· Fees:
- Application Fee
- £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees.
- Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees. 
- ~Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees. 
· Maximum loan - No maximum.
· 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 - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
· Additional criteria – The mortgage must complete by 01/07/2021
 

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

3.19% 3 year discounted rate at 1.20%

3.19% 4.39% 4.2%APRC
  • Interest-Only
75% £999~ £500 cashback for remortgages^

Some key features of this mortgage

· Purpose - Purchase and remortgage
· Discount - 1.20% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 3.09% 
· Loan to Value -  Maximum 75%.
· Fees:
- 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% until 30/06/2022, 2% until 30/06/2023, 1% until 30/06/2024                        
· Maximum loan - No maximum.
· Minimum loan - £45,000
· Additional criteria – The mortgage must complete by 01/07/2021

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

3.34% 5 year fixed rate

3.34% 4.39% 4.2%APRC
  • Repayment
75% £999~ £500 cashback for remortgages^

Some key features of this mortgage

· Purpose - Purchase, remortgage, product switch and further advance 
· Loan to Value - Maximum 75%
· Fees:
- Application Fee
- £175 + Valuation Fee for purchase and remortgage. See ‘more downloads’ for product switch and further advance fees
- Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See ‘more downloads’ for product switch and further advance fees
- ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See ‘more downloads’ for product switch and further advance fees
· Maximum loan - No maximum
· 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 - 5% until 30/06/2022, 4% until 30/06/2023, 3% until 30/06/2024, 2% until 30/06/2025, 1% until 30/06/2026
· Additional criteria – The mortgage must complete by 01/07/2021
 

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

Comparing two mortgage products

Mortage icon - House Mortgage icon - House
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Initial interest rate DYNAMIC DYNAMIC
Current follow on rate DYNAMIC DYNAMIC
Overall cost for comparison DYNAMIC DYNAMIC
Repayment or Interest-Only? DYNAMIC DYNAMIC
Max % loan to value (LTV) DYNAMIC DYNAMIC
Product fees DYNAMIC DYNAMIC
Additional benefits DYNAMIC DYNAMIC

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