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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.
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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
DP365
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.