First Time Buyer Mortgages

We’re proud to have a common sense approach to lending – with each case being manually underwritten. This means that throughout the process, we’re able to offer flexibility to support you and your clients with direct access to an underwriter.


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First Time Buyer Mortgages

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First Time Buyer 2 Year Fixed Rate 95% LTV (fixed until 31.10.2027)

Initial Interest Rate

5.79%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

7.60%

Product Code

IP365

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.79% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,136.75, 48 payments of £1,266.69 and 223 monthly payments of £1,385.28.

The total amount payable would be £402,934.31 made up of the loan amount plus interest of £222,684.31 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£175.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.6% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.