About Us
Established in Newport in 1869 to help local people build homes, we now help people across Wales and England buy properties and save for their future.
< !--Created with SVG-edit - https://svg-edit.googlecode.com/ --> Find out more

The first step in your application process is getting a decision in principle. 

A decision in principle is a certificate showing how much a lender is prepared to lend to you, based on the information you have provided.

Find out more and get a decision in principle here:

Decision in Principle

To find out more about the process of buying your first home, take a look at our guide:

Buying Your First Home

 

Enquire about First Time Buyer Mortgages

Simply fill in the form below and we'll be in touch within the next few days to discuss how we can help:

How we use your personal information

We will only use the data entered above for the purpose of contacting you to arrange an appointment.

For more information about how we handle your data, please visit our privacy page.

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

Mortgage Rates for First-Time Buyers

Initial Interest Rate % Overall Cost For Comparison Maximum Loan To Value Product Fee Additional Features  
5.60% 8.2% APRC 80% £999 NIL More Details
5.79% 8.3% APRC 90% £999 NIL More Details
Initial Interest Rate % Overall Cost For Comparison Maximum Loan To Value Product Fee Additional Features  
5.50% 8.3% APRC 90% £499 NIL More Details
5.65% 8.3% APRC 95% £499 NIL More Details
Initial Interest Rate % Overall Cost For Comparison Maximum Loan To Value Product Fee Additional Features  
5.25% 7.4% APRC 90% £499 NIL More Details
5.50% 7.5% APRC 95% £499 NIL More Details
Initial Interest Rate % Overall Cost For Comparison Maximum Loan To Value Product Fee Additional Features  
4.85% 7.2% APRC 90% £499 NIL More Details
4.90% 7.3% APRC 95% £499 NIL More Details

All our mortgages move onto our Standard Variable Rate after the initial rate period. Our Standard Variable Rate is currently 8.49%. If our Standard Variable Rate changes, your monthly repayments could go up or down.