- Support for Coronavirus - how we're helping our customers See more
-
Service update - due to planned essential maintenance our Online Service will be unavailable on 6 March from 07:00 until 20:30.
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.
| 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% |
|
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% |
|
75% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
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% |
|
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% |
|
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% |
|
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% |
|
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
Note that products are subject to additional terms and subject to change. See a product's full details to find out more.