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First Time Buyer Mortgages

So your client is looking to take the plunge and buy their first home. It’s an exciting time. But we realise that it can also be a little daunting, so our broker team are here to help every step of the way.

Because we take a more personal approach, our broker team will assist in guiding you and your client through the process, answer any questions and together we’ll work out how we can help based on how much they can comfortably afford.

The good news is that we offer a range of First Time Buyer products that can really help to get your client on the property ladder.

Key points for our First Time Buyer products:

  • Max LTV 90% inclusive of fees
  • Free Valuations
  • Gifted Deposits acceptable
  • Repayment only
  • Minimum age 21
  • Minimum loan size £30,000
  • Maximum loan size £500,000
  • Minimum mortgage term 5 years
  • Maximum mortgage term 40 years
  • We allow new build houses up to 90% LTV, new build flats restricted to 75% LTV

Our First Time Buyer mortgage range

First Time Buyer Five Year Fixed Rate Mortgage

Initial rate

4.07% (fixed)

Then reverting to our SVR minus 1.00%

4.39%

Product period

31.08.2026

Arrangement fee

None

LTV rate

90.00%

APRC

4.40% APRC

First Time Buyer Two Year Fixed Rate Mortgage

Initial rate

3.77% (fixed)

Then reverting to our SVR minus 1.00%

4.39%

Product period

31.08.2023

Arrangement fee

None

LTV rate

90.00%

APRC

4.40% APRC

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

Submit a DIP

Use our intermediary mortgage portal to register your case.

Log a case