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 31.07.2027)
Initial Interest Rate
5.29%
Maximum Loan To Value (LTV)
90%
Overall Cost for Comparison
7.50%
Product Code
DP315
The following is a representative example based on a mortgage of £247,496 payable over 25 years initially on a fixed rate of 5.29% until 31st July 2027, a further discounted rate of 7.14% until 31st July 2031, followed by our Standard Variable Rate of 8.39%. In this example you would make 29 monthly payments of £1,488.96, 48 payments of £1,750.19 and 223 monthly payments of £1,913.42.
The total amount payable would be £554,156.62 made up of the loan amount plus interest of £306,385.62 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.50% 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 31.07.2027)
Initial Interest Rate
5.79%
Maximum Loan To Value (LTV)
95%
Overall Cost for Comparison
7.60%
Product Code
DP316
The following is a representative example based on a mortgage of £247,496 payable over 25 years initially on a fixed rate of 5.79% until 31st July 2027, a further discounted rate of 7.14% until 31st July 2031, followed by our Standard Variable Rate of 8.39%. In this example you would make 29 monthly payments of £1,563.00, 48 payments of £1756.36 and 223 monthly payments of £1,920.17.
The total amount payable would be £558,130.19 made up of the loan amount plus interest of £310,334.19 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£225) 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.