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Homes for Ukraine - important information can be found here.
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Rate changes following Bank of England decision to raise its Bank Rate to 1.25% on 16 June.
Savings: the majority of our variable savings rates have been increased from 24 June. Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 July. (Updated 1 July.)Mortgages: our variable mortgage rates will increase and we are in the process of writing to affected customers with details of their revised payments, interest rate and effective date. Product rates now shown on the website reflect this increase. (Updated 1 July.)

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 |
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3.14% 3 year discounted rate by 2.40% |
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3.14% | 5.54% |
5.1% |
|
60% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.29% 3 year discounted rate by 2.25% |
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3.29% | 5.54% |
5.1% |
|
80% | £599~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.59% 2 year discounted rate by 2.05% Offset mortgage |
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3.59% | 5.64% |
5.4% |
|
60% | £999~ |
£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.69% 2 year discounted rate by 1.95% Offset mortgage |
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3.69% | 5.64% |
5.4% |
|
80% | £999~ |
£500 cashback for remortgages and £100 cashback for Offset Saver account^ Payment or Term reduction |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.74% 5 year fixed rate until 31/10/2027 |
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3.74% | 5.54% |
4.6% |
|
60% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.74% 3 year discounted rate by 1.80% for Expats |
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3.74% | 5.54% |
5.1% |
|
60% | £999~ |
£500 cashback for remortgages^ |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.84% 5 year fixed rate until 31/10/2027 |
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3.84% | 5.54% |
4.7% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.84% 2 year fixed rate until 31/10/2024 |
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3.84% | 5.54% |
5.3% |
|
60% | £999~ |
£500 cashback for remortgages^ |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.89% 3 year discounted rate by 1.65% for Expats |
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3.89% | 5.54% |
5.1% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.89% 5 year fixed rate until 31/10/2027 RIO |
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3.89% | 5.54% |
5.0% |
|
80% | £999~ |
£500 cashback for remortgages^ Overpayments allowed |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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3.94% 2 year fixed rate until 31/10/2024 |
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3.94% | 5.54% |
5.3% |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
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.