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First Time Buyer Mortgages

We know that buying your first home isn’t easy. That's why we've created a range of mortgages specifically for first time buyers.

Whether you're buying on your own or with others, our First Time Buyer Mortgages are here to help you get onto the property ladder.

If you’re applying for one of our First Time Buyer Mortgages, at least one of the applicants can’t have had a mortgage within the last 3 years. Otherwise, your application won’t be eligible.

Not a First Time Buyer?

We have a range of Fixed Rate Mortgages for those who are remortgaging or moving home.

View our other Fixed Rate Mortgages

Your property could be repossessed if you don't keep up your mortgage repayments.

First Time Buyer Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/04/2027Then changing to the Society's SVR less a discount of 1.00%, up to and inc. 30/04/2030, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.51% 7.24%8.24%7.5%75%£1499 View
Max loan amount £2,000,000
4.61% 7.24%8.24%7.5%75%£999 View
Max loan amount £2,000,000
4.76% 7.24%8.24%7.5%75%£0 View
Max loan amount £2,000,000
4.86% 7.24%8.24%7.6%80%£999 View
Max loan amount £1,000,000
5.03% 7.24%8.24%7.6%80%£0 View
Max loan amount £1,000,000
5.09% 7.24%8.24%7.7%85%£999 View
Max loan amount £1,000,000
5.19% 7.24%8.24%7.6%85%£0 View
Max loan amount £1,000,000
5.49% 7.24%8.24%7.7%90%£0 View
Max loan amount £700,000

Cashback First Time Buyer Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/04/2027Then changing to the Society's SVR less a discount of 1.00%, up to and inc. 30/04/2030, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.95% 7.24%8.24%7.8%95%£0 View
Max loan amount £600,000 / £500 Cashback upon completion
RATES CORRECT AS AT 23 january 2025

Representative Example

A mortgage of £150,000.00 payable over 25 years initially on a fixed rate for 2 years at 5.95% and then a 1.00% discount on our current Standard Variable Rate of 8.24% giving a rate of 7.24% for 3 years and then on our current Standard Variable Rate of 8.24% for the remaining 20 years would require 24 monthly payments of £960.87, 36 monthly payments of £1074.99 and 240 monthly payments of £1158.92.

The total amount payable would be £339,936.32 made up of the loan amount plus interest of £189,901.32 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 7.8% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • Interest calculated daily
  • Free standard valuation up to £999.
  • These products are not available to interest only applications.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges may apply.
  • Only available to First Time Buyers.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • A mortgage exit fee of £199 will apply.

First Time Buyer Only 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/04/2028Then changing to the Society's SVR less a discount of 1.00%, up to and inc. 30/04/2030, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.93% 7.24%8.24%7.4%85%£999 View
Max loan amount £1,000,000
5.14% 7.24%8.24%7.4%85%£0 View
Max loan amount £1,000,000
5.23% 7.24%8.24%7.5%90%£999 View
Max loan amount £700,000
5.79% 7.24%8.24%7.6%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 23 january 2025

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.79% and then a 1.00% discount on our current Standard Variable Rate of 8.24% giving a rate of 7.24% for 2 years and then on our current Standard Variable Rate of 8.24% for the remaining 20 years would require 36 monthly payments of £1135.57, 24 monthly payments of £1283.76 and 240 monthly payments of £1383.99.

The total amount payable would be £403,883.36 made up of the loan amount plus interest of £223,848.36 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 7.6% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • Interest calculated daily
  • Free standard valuation up to £999.
  • This product is not available to interest only applications.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges may apply.
  • Only available to First Time Buyers.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • A mortgage exit fee of £199 will apply.

First Time Buyer Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/04/2030Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.69% 8.24%6.9%80%£999 View
Max loan amount £1,000,000
4.84% 8.24%7.0%85%£999 View
Max loan amount £1,000,000
4.94% 8.24%7.0%85%£0 View
Max loan amount £1,000,000
5.19% 8.24%7.1%90%£0 View
Max loan amount £700,000
5.49% 8.24%7.2%95%£0 View
Max loan amount £600,000

Cashback First Time Buyer Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/04/2030Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.45% 8.24%7.3%95%£999 View
Max loan amount £600,000 / £500 Cashback upon completion
RATES CORRECT AS AT 23 january 2025

Representative Example

A mortgage of £150,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.45% and then on our current Standard Variable Rate of 8.24% (variable) for the remaining 20 years would require 60 monthly payments of £915.72 and 240 monthly payments of £1138.00.

The total amount payable would be £329,097.20 made up of the loan amount plus interest of £178,063.20 and application fee £0, product fee £999, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.3% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • Interest calculated daily
  • Free standard valuation up to £999.
  • These products are not available to interest only applications.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges may apply.
  • Only available to First Time Buyers.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • A mortgage exit fee of £199 will apply.

Our mortgage calculators

Affordability calculator

Get an idea of how much you could borrow, based on your income and spending.

Repayment calculator

Work out how much you'd need to pay each month towards your mortgage.

Book an appointment

If you need help or support with an existing application, call us on 03450 50 50 62.

If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the 'book an appointment' button.

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