Buying your first home can be one of the most exciting times of your life. There are lots of things to think about when buying your first home, but with our guidance and over 100 years' experience helping first time buyers get on the property ladder, you can rest assured we can help you along the path to buying your first home.
We offer a wide range of products and initiatives specifically designed to help first time buyers get their perfect starter home. This includes 95% mortgages, shared ownership deals, fees assisted deals and our latest helping hand mortgages.
You'll be pleased to learn that we now offer a number of mortgages, which are available up to 95% loan to value (LTV). These include both variable rate deals as well as fixed rate mortgages which help to give you peace of mind that your monthly payments won't change during the fixed rate period.
View our latest 95% mortgages »The overall cost for comparison is 6.3% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration.
We have been working closely with selected local councils to put together a special arrangement to help you buy your first home. The local council provides additional security for the mortgage, which allows us to offer you up to 95% LTV. So with a minimum deposit of 5% you could soon be moving into your new home.
Please note: Only selected postcodes will be considered under the scheme. Minimum and maximum loan amounts apply. Click on the links for more information about how we can help you buy a property in your local area. View the councils currently participating in our helping hand mortgage scheme ».The overall cost for comparison is 5.9% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration. Shared Ownership – a more affordable way to get on the property ladder
Shared Ownership schemes can make it more affordable to get on the property ladder. With these schemes you buy a share of the property using a mortgage, and pay rent to a Housing Association on the part you don't own. You can buy between 25% and 75% of the property - the higher the share, the lower the rent. Then, when you can afford to, you can buy further shares in your home and eventually own it outright!
View our Shared Ownership Schemes »The overall cost for comparison is 6.2% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration.
Some of our mortgages are available with incentives such as free mortgage advice, free valuations, no completion fees and booking fees of just £199 when you apply for your chosen mortgage.
Shared Equity schemes are primarily designed to help first time buyers who cannot afford to pay the full price for a house. The Society offers specific products for those who are buying their home with the help of a shared equity scheme and your legal adviser will need to confirm that the Society’s shared equity scheme requirements are met when you apply.
View our Shared Equity deals »The overall cost for comparison is 6.3% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration.