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First Time Buyer and Start mortgages

Buying your first home is a big moment. Our First Time Buyer and Start mortgages are built to support you as you take that first exciting step.

We class you as a first time buyer if you haven't had a mortgage in the last three years. If you're buying with others, only one of you has to be a first time buyer.

Not a first time buyer? Look at our Fixed Rate mortgages

Key information

  • First Time Buyer mortgages: minimum 5% deposit
  • Start mortgages: 2% minimum deposit or £5,000, whichever is greater
  • You may be able to borrow up to 5 times your income
  • Fixed monthly payments
  • Start mortgages aren't available on new build properties

Other mortgages

Income Plus

Our Income Plus mortgages could help you go further, with the potential to borrow more if it's right for you.

Reach

We may offer a Reach mortgage to those who face barriers buying a home.

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. 31/10/2028Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.52% 7.74%7.4%65%£999 View
Max loan amount £2,000,000
4.56% 7.74%7.4%75%£999 View
Max loan amount £2,000,000
4.75% 7.74%7.4%75%£0 View
Max loan amount £2,000,000
4.55% 7.74%7.4%80%£1499 View
Max loan amount £1,000,000
4.60% 7.74%7.4%80%£999 View
Max loan amount £1,000,000
4.80% 7.74%7.4%80%£0 View
Max loan amount £1,000,000
4.60% 7.74%7.4%85%£1499 View
Max loan amount £1,000,000
4.65% 7.74%7.4%85%£999 View
Max loan amount £1,000,000
4.85% 7.74%7.4%85%£0 View
Max loan amount £1,000,000
4.85% 7.74%7.4%90%£1499 View
Max loan amount £700,000
4.90% 7.74%7.4%90%£999 View
Max loan amount £700,000
4.99% 7.74%7.4%90%£0 View
Max loan amount £700,000
5.05% 7.74%7.5%95%£999 View
Max loan amount £600,000
5.25% 7.74%7.5%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 18 july 2026

Representative Example

A mortgage of £140,000.00 payable over 25 years initially on a fixed rate for 2 years at 5.25% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 23 years would require 24 monthly payments of £838.09 and 276 monthly payments of £1041.88.

The total amount payable would be £307,708.04 made up of the loan amount plus interest of £167,673.04 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.5% 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.
  • Reducing Early Repayment Charges may apply. These may apply when selling, switching, or overpaying too much. Please see the mortgage documents for full details.
  • 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. 31/10/2029Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.54% 7.74%7.1%65%£999 View
Max loan amount £2,000,000
4.69% 7.74%7.1%65%£0 View
Max loan amount £2,000,000
4.55% 7.74%7.1%75%£999 View
Max loan amount £2,000,000
4.75% 7.74%7.1%75%£0 View
Max loan amount £2,000,000
4.70% 7.74%7.1%80%£1499 View
Max loan amount £1,000,000
4.80% 7.74%7.1%80%£999 View
Max loan amount £1,000,000
4.90% 7.74%7.1%80%£0 View
Max loan amount £1,000,000
4.75% 7.74%7.1%85%£1499 View
Max loan amount £1,000,000
4.85% 7.74%7.2%85%£999 View
Max loan amount £1,000,000
4.95% 7.74%7.1%85%£0 View
Max loan amount £1,000,000
4.99% 7.74%7.2%90%£0 View
Max loan amount £700,000
5.14% 7.74%7.2%95%£999 View
Max loan amount £600,000
5.39% 7.74%7.3%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 18 july 2026

Representative Example

A mortgage of £140,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.39% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 22 years would require 36 monthly payments of £849.68 and 264 monthly payments of £1036.14.

The total amount payable would be £304,164.44 made up of the loan amount plus interest of £164,129.44 and application fee £0, product fee £0, 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.
  • Reducing Early Repayment Charges may apply. These may apply when selling, switching, or overpaying too much. Please see the mortgage documents for full details.
  • 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. 31/10/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.54% 7.74%6.6%65%£999 View
Max loan amount £2,000,000
4.58% 7.74%6.6%75%£999 View
Max loan amount £2,000,000
4.70% 7.74%6.6%75%£0 View
Max loan amount £2,000,000
4.64% 7.74%6.6%80%£999 View
Max loan amount £1,000,000
4.74% 7.74%6.6%80%£0 View
Max loan amount £1,000,000
4.68% 7.74%6.6%85%£999 View
Max loan amount £1,000,000
4.79% 7.74%6.6%85%£0 View
Max loan amount £1,000,000
4.79% 7.74%6.7%90%£999 View
Max loan amount £700,000
4.91% 7.74%6.7%90%£0 View
Max loan amount £700,000
5.13% 7.74%6.8%95%£0 View
Max loan amount £600,000

Start 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/10/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.65% 7.74%7.0%98%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 18 july 2026

Representative Example

A mortgage of £200,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.65% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 20 years would require 60 monthly payments of £1244.87 and 240 monthly payments of £1466.32.

The total amount payable would be £426,644.00 made up of the loan amount plus interest of £226,609.00 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.0% 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.
  • Reducing Early Repayment Charges may apply. These may apply when selling, switching, or overpaying too much. Please see the mortgage documents for full details.
  • 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 505 062.

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.