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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, 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 31/01/2023, 1% until 31/01/2024
  • 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 01/02/2022

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

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.

2.84% 2 year fixed rate

2.84% 4.39% 4.1%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%
  • 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 31/01/2023, 1% until 31/01/2024
  • 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 01/02/2022

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

2.94% 2 year fixed rate JMSO

2.94% 4.39% 4.2%APRC
  • Repayment
75% £999~ £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 - Maximum 75%.
  • 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 - £999 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 31/01/2023,1% until 31/01/2024
  • Additional criteria – The mortgage must complete by 01/02/2022

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

2.99% 3 year discounted rate by 1.40%

2.99% 4.39% 4.2%APRC
  • Interest-Only
60% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase and remortgage
  • Discount - 1.40% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 2.89% 
  • Loan to Value - Maximum 60%
  • Application fee - £175 + Valuation Fee (£125 for further advance, £0 for 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. For loans above £500,000 0.3% of the loan amount. (£0 for further advance and switch)
  • 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.

3.09% 2 year discounted rate by 1.40% Offset mortgage

3.09% 4.49% 4.4%APRC
  • Repayment
75% £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 - 1.40% applied to our Managed Flexi Mortgage Rate for 2 years
  • Minimum rate - 2.99% 
  • Loan to Value - Maximum 75%
  • 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.

3.24% 3 year discounted rate by 1.15%

3.24% 4.39% 4.3%APRC
  • Interest-Only
75% £999~ £500 cashback for remortgages^

Some key features of this mortgage

  • Purpose - Purchase and remortgage
  • Discount - 1.15% applied to our Managed Mortgage Rate for 3 years
  • Minimum rate - 3.14% 
  • 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. 
  • 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.

Comparing two mortgage products

Mortage icon - House Mortgage icon - House
Product DYNAMIC DYNAMIC
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.