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Our 3 year fixed rate First Time Buyer mortgages with as little as a 5% deposit

You have no arrangement fee to pay and your repayments are fixed.

Mortgage name3 Year Fixed Rate (C)
Max loan to value95%
Initial rate3.94%
Until
Variable rate thereafter, currently4.70%
The overall cost for comparison is4.6% APRC
Arrangement fee£0 for existing mortgage customers
£0 for new mortgage customers
Option to add arrangement, valuation and legal fees to mortgage

Yes (but be aware that if the total amount borrowed including fees exceeds the loan to value above, a higher interest rate will apply)

Valuation fee

The valuation report is used to calculate how much we’ll lend you. This is separate from any valuation or survey of the property you might want to instruct for your own purposes. There are other homebuyers, home report or structural survey options available if you want to commission these.

If a valuation report is necessary, we do not charge for the valuation for this product.

Special features

At the end of the fixed rate period, additional payments or increased monthly payments may be made without charge.

Special offer£750 Cash back applies on new borrowing of £75,000 and above. For loans less than £75,000, £250 Cash back is available. Cash back is received at mortgage drawdown.
Early repayment charge An early repayment charge applies during the fixed rate period
6% in year 1
5% in year 2
4% in year 3
EligibilityApplicants must be aged 18 or over. All loans are subject to status. Security will be required.

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

Work out your monthly repayment for this mortgage

How much?

During the initial period, your estimated monthly repayments would be: £ until

Thereafter, the rate would revert to our variable rate, currently 4.70%, which equates to a monthly payment of £


The overall cost for comparison is:

% APRC

Our mortgage calculator gives you an indication of monthly mortgage repayments. If you'd like to discuss your individual circumstances or obtain a personalised illustration, please contact us.

Make an enquiry

Find out your mortgage borrowing potential

Next steps

You can switch to this mortgage online if:

  • You don't want to change your borrowing amount.
  • You want to keep the same term.
  • You don't want to add or remove any parties to or from the mortgage.
  • You don't want to change the repayment method.
  • You still use the property in the same way eg. it's still your main home.
  • You can still meet your mortgage repayments.
  • The mortgage term does not run beyond when you expect to retire from work.
  • You do not rely on any of the following to make your mortgage payments and/or (in the case of interest only mortgages) to repay the balance that will remain outstanding at the end of the term:
    • income received in a currency other than pounds sterling; or
    • assets held in a currency other than pounds sterling (including non-UK property or land)?

Please note to switch online you will need your mortgage account number. You can find this on your mortgage statement or other mortgage related letters.

I confirm I have read the above information and I am happy that I can continue.

Click to confirm

Or if you would like to speak to one of our mortgage advisors, you can give us a call on 0800 111 4355 (we're open 8am - 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 4pm Sunday) or:

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