Insurance & Planning
We offer Funeral Plans and Home Insurance through our partners
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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.
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Buying your first home?
We’re here to help you get on the property ladder with our range of mortgages for first-time buyers.

Low Deposit Mortgages

Saving up for a house deposit takes time - but with our Low Deposit mortgages, it might not take as long as you think.

Help to Buy - Wales Mortgages

First time buyers in Wales can get help towards purchasing a property with the Help to Buy - Wales scheme.

Mortgage Calculator

Get an idea of how much you could borrow in seconds - try our online mortgage calculator.

Mortgage Rates for First-Time Buyers

All our mortgages move onto our Standard Variable Rate after the initial rate period. Our Standard Variable Rate is currently 5.24%.  If our Standard Variable Rate changes, your monthly repayments could go up or down.

Please note that the mortgage products listed below are for House Purchase only, and cannot be used for Rate Switch, Remortgage or Buy-to-Let.

2 Year Discount Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
1.74% 4.7% APRC 80% £999 No ERC More details
2.04% 4.9% APRC 90% £999 No ERC More details
2.55% 4.9% APRC 95% - No ERC More details
2 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
3.15% 5.0% APRC 95% -   More details
3.65% 5.1% APRC 95% - £1000 cashback More details
5 Year Fixed Rate Mortgages
Initial interest rate % Overall cost for comparison Maximum loan to value Product fee Additional Features  
2.67% 4.5% APRC 90% £999 - More details
2.93% 4.5% APRC 90% - - More details
3.48% 4.7% APRC 95% - - More details
3.75% 4.8% APRC 95% - £1000 cashback More details

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