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First time buyers

Helping you get on the property ladder

First time buyer guide Mortgage calculator FAQs

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

Best First Time Buyer Mortgage Provider - Moneyfacts Awards 2014

Getting the keys to your first home doesn’t have to be difficult. For as little as 5% deposit you can apply for a first time buyer mortgage and receive the benefit of no arrangement fee, one free home valuation and until November 28th 2014 we'll give you the cashback equivalent to one month's regular mortgage payment up to £1000 at mortgage drawdown, so that you can live where you love for less. To qualify a minimum loan of £25,000 applies, as do other fees.

We aim to make your application as easy and stress-free as possible and our dedicated mortgage advisors are here to give you all the help and advice you need.

You meet our definition of a first time buyer and are eligible for the products shown below if you’re aged 18 or over and have never had a mortgage or haven’t had a mortgage for the past 12 months.

We'll pay your mortgage for a month on selected mortgages with this symbol

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Product name
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Max loan to value
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Initial rate
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Variable rate thereafter
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The overall cost for comparison is
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Arrangement fee
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Early repayment charge
3 year fixed rate90%3.59%4.95%4.7% APR£0YesMorehide
3 year fixed rate95%4.89%4.95%5.1% APR£0YesMorehide

(Rates correct as at 24th October 2014)
* Standard Variable Rate

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