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First Time Buyer Mortgages

Please be aware all mortgage products were withdrawn at 5pm on Thursday 4 August, except for Self-Build. This is so we can focus on processing our existing applications as quickly as possible and restore our service levels to normal. System issues mean products are still visible on the portal, but applications received after the deadline will NOT be accepted. Please keep checking back for updates for when our new products will be launched.

Contact the Intermediary Support Team (01799 582 925 or with any queries, and thanks for your understanding at this busy time.

So your client is looking to take the plunge and buy their first home.

So your client is looking to take the plunge and buy their first home. 

Because we take a more personal approach, our Intermediary 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 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 95% LTV, new build flats restricted to 75% LTV

Our First Time Buyer mortgage range

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