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About
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.
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Take your first steps on the property ladder with our mortgages for first time buyers.
How To Apply

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

Buying Your First Home

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

Buying Your First Home

Speak to a Mortgage Adviser

If you'd like to find out more about our mortgages for first time buyers, please make an enquiry and one of our friendly mortgage advisers will be in touch!

Make an Enquiry

Mortgage Rates for First-Time Buyers
2 Year Discount Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
1.39% 4.2% APRC 80% £999 - More details
2 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
0.99% 4.2% APRC 75% £1,495

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More details
1.31% 4.2% APRC 75% £0

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More details
1.74% 4.4% APRC 80% £999

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More details 
5 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
1.50% 2.9% APRC 50% - - More details
1.60% 3.4% APRC 70% £999 - More details
1.79% 3.7% APRC 80% £999 - More details

All our mortgages move onto our Standard Variable Rate after the initial rate period. Our Standard Variable Rate is currently 4.74%. If our Standard Variable Rate changes, your monthly repayments could go up or down.

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.