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First time buyers
Our range of mortgages for First Time Buyers, including the First Time Buyer Family Deposit, means you could borrow up to 100% of the value of the property you want to buy.
Our mortgage calculator below is designed to show you how much you could potentially borrow up to 95% loan to value (LTV), which products are available to you and how much your monthly payments would be.
You can find more information in our guide to buying your first home and answers to some questions you may have in our First Time Buyers FAQs
Try our mortgage Calculator
Fixed rate
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Mortgage Repayment
Product
Borrowing Into Retirement 2 Year Fixed
Representative Example
Borrowing Into Retirement 2 Year Fixed
Representative Example
Initial rate
4.99%
4.99%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
60%
60%
Completion Fee
£999
£999
Product
Borrowing Into Retirement 5 Year Fixed
Representative Example
Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
60%
60%
Completion Fee
£0
£0
Product
Large Loan/LTI 5 Year Fixed
Representative Example
Large Loan/LTI 5 Year Fixed
Representative Example
Initial rate
5.69%
5.69%
Overall cost for comparison
7.2% APRC
7.2% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Prime Plus – 5 Year Fixed
Representative Example
Prime Plus – 5 Year Fixed
Representative Example
Initial rate
6.89%
6.89%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Representative Example
7.19%
7.9% APRC
60%
£0
Product
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
7.19%
7.19%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
60%
60%
Completion Fee
£0
£0
Product
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
Initial rate
7.39%
7.39%
Overall cost for comparison
8.1% APRC
8.1% APRC
Max% LTV
70%
70%
Completion Fee
£0
£0
Product
Family Deposit Mortgage 5 Year Fixed
Representative Example
Family Deposit Mortgage 5 Year Fixed
Representative Example
Initial rate
6.75%
6.75%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
100%
100%
Completion Fee
£0
£0
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Representative Example
6.85%
7.9% APRC
100%
£0
Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Initial rate
6.85%
6.85%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
100%
100%
Completion Fee
£0
£0
Product
Borrowing Into Retirement 3 Year Fixed
Representative Example
Borrowing Into Retirement 3 Year Fixed
Representative Example
Initial rate
5.49%
5.49%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
60%
60%
Completion Fee
£0
£0
Product
3 Year Fixed
Representative Example
3 Year Fixed
Representative Example
Initial rate
5.50%
5.50%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
5 Year Fixed
Representative Example
5 Year Fixed
Representative Example
Initial rate
5.39%
5.39%
Overall cost for comparison
7.2% APRC
7.2% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
Product
2 Year Fixed
Representative Example
2 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.8% APRC
7.8% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
5 Year Fixed
Representative Example
5 Year Fixed
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
7.3% APRC
7.3% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
3 Year Fixed
Representative Example
3 Year Fixed
Representative Example
Initial rate
5.55%
5.55%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
75%
75%
Completion Fee
£0
£0
Product
Shared Ownership 2 Year Fixed
Representative Example
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
5.85%
5.85%
Overall cost for comparison
7.9% APRC
7.9% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Product
Shared Ownership 5 Year Fixed
Representative Example
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.45%
5.45%
Overall cost for comparison
7.2% APRC
7.2% APRC
Max% LTV
95%
95%
Completion Fee
£0
£0
Variable rate
Product
Initial rate
Overall cost
for comparison
for comparison
Max % LTV
Product Fee
Mortgage Repayment
Product
2 Year Discount
Representative Example
2 Year Discount
Representative Example
Initial rate
5.10%
5.10%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
80%
80%
Completion Fee
£499
£499
Product
2 Year Discount
Representative Example
2 Year Discount
Representative Example
Initial rate
5.45%
5.45%
Overall cost for comparison
7.7% APRC
7.7% APRC
Max% LTV
90%
90%
Completion Fee
£0
£0
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.09%
6.09%
Overall cost for comparison
6.4% APRC
6.4% APRC
Max% LTV
80%
80%
Completion Fee
£0
£0
Product
Buy for University – Term Discount
Representative Example
Buy for University – Term Discount
Representative Example
Initial rate
6.19%
6.19%
Overall cost for comparison
6.5% APRC
6.5% APRC
Max% LTV
100%
100%
Completion Fee
£499
£499
Product
Borrowing Into Retirement Term Discount
Representative Example
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
5.79%
5.79%
Overall cost for comparison
6.0% APRC
6.0% APRC
Max% LTV
60%
60%
Completion Fee
£0
£0
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Representative Example
5.15%
7.6% APRC
95%
£999
Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Initial rate
5.15%
5.15%
Overall cost for comparison
7.6% APRC
7.6% APRC
Max% LTV
95%
95%
Completion Fee
£999
£999
