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First Time Buyer Mortgages
Our exclusive first time buyer mortgages are designed for customers looking to buy their first home and offer a cash back incentive and no scheme fees.
This mortgage can be applied for as long as one of the applicants has never had a mortgage before.
Our mortgages
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First Time Buyer 2 Year Fixed Rate 90% LTV (fixed until 29.02.2028)
Initial Interest Rate
5.29%
Maximum Loan To Value (LTV)
90%
Overall Cost for Comparison
7.40%
Product Code
DP421
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.29% until 29th February 2028, a further discounted rate of 6.89% until 29th February 2032, followed by our Standard Variable Rate of 8.14%. In this example you would make 27 monthly payments of £1,082.90, 48 payments of £1,247.28 and 225 monthly payments of £1,365.53.
The total amount payable would be £396,619.99 made up of the loan amount plus interest of £216,351.99 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£193.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.4% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
First Time Buyer 2 Year Fixed Rate 95% LTV (fixed until 29.02.2028)
Initial Interest Rate
5.75%
Maximum Loan To Value (LTV)
95%
Overall Cost for Comparison
7.50%
Product Code
DP422
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.75% until 29th February 2028, a further discounted rate of 6.89% until 29th February 2032, followed by our Standard Variable Rate of 8.14%. In this example you would make 27 monthly payments of £1,132.39, 48 payments of £1,251.05 and 225 monthly payments of £1,369.66.
The total amount payable would be £399,066.43 made up of the loan amount plus interest of £218,798.43 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£193.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.5% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.