Important Message
Bank of England Base Rate
On 5 November 2026, the Bank of England announced a 0.25% Increase in its base rate from 3.75% to 4.00%.
From 1 December 2026 our Standard Variable Rate (SVR) will increase to 8.24%.
First Time Buyer Mortgages
Products available exclusively to First Time Buyers, tailored to their specific needs. We understand that not all First Time Buyers require these product features. This is why our standard products are also available to them if they fit their needs.
Who is this product suitable for?
- First Time Buyers
Product Details
- Repayment only
- Free valuation
- Maximum Loan size: £1,000,000 up to 90% LTV, £500,000 up to 95%
- Up to 5.5x LTI
- Product fees can be added up to 95% LTV maximum
- Wide range of acceptable deposit types, including gifted deposits and personal loans. Please see our lending criteria for all acceptable deposit types.
- Overpayments of up to 10% per annum of the original loan amount are allowed without penalty
Additional details
- New Build Houses acceptable up to 95% LTV
- New Build Flats acceptable up to 75% LTV
- For joint applications, one applicant must be a First Time Buyer.