Take your first steps on the property ladder with our mortgages for first time buyers.
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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:
Buying Your First Home
To find out more about the process of buying your first home, take a look at our guide:
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!
Mortgage Rates for First-Time Buyers
Energy Efficient Home Purchase
| Product Term | Initial interest rate % | Overall cost for comparison | Maximum loan to value | Product fee | Additional Features | |
| 2 Year Fixed | 2.39% | 4.8% APRC | 95% | £999 | - | More details |
| 5 Year Fixed | 2.69% | 4.3% APRC | 95% | £999 | - | More details |
2 Year Discount Rate Mortgages
| Initial interest rate % | Overall cost for comparison | Maximum loan to value | Product fee | Additional Features | |
| 1.64% | 4.5% APRC | 80% | £999 | - | More details |
| 2.35% | 4.7% APRC | 95% | £999 | - | More details |
2 Year Fixed Rate Mortgages
| Initial interest rate % | Overall cost for comparison | Maximum loan to value | Product fee | Additional Features | |
| 2.59% | 4.8% APRC | 80% | £999 |
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More details |
| 2.79% | 4.8% APRC | 90% | £999 |
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More details |
| 3.09% | 4.9% APRC | 95% | £999 |
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5 Year Fixed Rate Mortgages
| Initial interest rate % | Overall cost for comparison | Maximum loan to value | Product fee | Additional Features | |
| 2.64% | 4.2% APRC | 80% | £999 | More details | |
| 2.84% | 4.4% APRC | 90% | £999 | - | More details |
| 3.19% | 4.4% APRC | 95% | £999 | - | More details |
