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Home > Mortgages > First time buyers

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
Our mortgage calculator is designed to show you how much you could potentially borrow and how much your monthly payments would be. The amount is based solely on your income without deducting household expenses and financial commitments. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Gross annual income





LTV Amount





Payment Terms




Fixed rate

Product
Initial rate
Overall cost
for comparison
Max % LTV
Completion Fee
Mortgage Repayment
 
Prime Plus – 5 Year Fixed
Representative Example
6.89%
7.8% APRC
70%
£0
Product
Prime Plus – 5 Year Fixed
Representative Example
Initial rate
6.89%
Overall cost for comparison
7.8% APRC
Max% LTV
70%
Completion Fee
£0
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
7.19%
7.9% APRC
60%
£0
Product
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example
Initial rate
7.19%
Overall cost for comparison
7.9% APRC
Max% LTV
60%
Completion Fee
£0
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
7.39%
8.1% APRC
70%
£0
Product
Prime Plus Shared Ownership 5-Year Fixed
Representative Example
Initial rate
7.39%
Overall cost for comparison
8.1% APRC
Max% LTV
70%
Completion Fee
£0
Family Deposit Mortgage 5 Year Fixed
Representative Example
6.75%
7.8% APRC
100%
£0
Product
Family Deposit Mortgage 5 Year Fixed
Representative Example
Initial rate
6.75%
Overall cost for comparison
7.8% APRC
Max% LTV
100%
Completion Fee
£0
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
6.85%
7.9% APRC
100%
£0
Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example
Initial rate
6.85%
Overall cost for comparison
7.9% APRC
Max% LTV
100%
Completion Fee
£0
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
5.99%
7.5% APRC
90%
£999
Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example
Initial rate
5.99%
Overall cost for comparison
7.5% APRC
Max% LTV
90%
Completion Fee
£999
Borrowing Into Retirement 3 Year Fixed
Representative Example
5.49%
7.6% APRC
60%
£0
Product
Borrowing Into Retirement 3 Year Fixed
Representative Example
Initial rate
5.49%
Overall cost for comparison
7.6% APRC
Max% LTV
60%
Completion Fee
£0
Large Loan/LTI 5 Year Fixed
Representative Example
6.30%
7.5% APRC
85%
£999
Product
Large Loan/LTI 5 Year Fixed
Representative Example
Initial rate
6.30%
Overall cost for comparison
7.5% APRC
Max% LTV
85%
Completion Fee
£999
Large Loan/LTI 5 Year Fixed
Representative Example
5.89%
7.3% APRC
75%
£1499
Product
Large Loan/LTI 5 Year Fixed
Representative Example
Initial rate
5.89%
Overall cost for comparison
7.3% APRC
Max% LTV
75%
Completion Fee
£1499
2 Year Fixed
Representative Example
5.49%
7.8% APRC
95%
£999
Product
2 Year Fixed
Representative Example
Initial rate
5.49%
Overall cost for comparison
7.8% APRC
Max% LTV
95%
Completion Fee
£999
5 Year Fixed
Representative Example
6.29%
7.6% APRC
95%
£499
Product
5 Year Fixed
Representative Example
Initial rate
6.29%
Overall cost for comparison
7.6% APRC
Max% LTV
95%
Completion Fee
£499
Shared Ownership 2 Year Fixed
Representative Example
5.85%
7.9% APRC
95%
£0
Product
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
5.85%
Overall cost for comparison
7.9% APRC
Max% LTV
95%
Completion Fee
£0
Shared Ownership 5 Year Fixed
Representative Example
5.45%
7.2% APRC
95%
£0
Product
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
5.45%
Overall cost for comparison
7.2% APRC
Max% LTV
95%
Completion Fee
£0

Variable rate

Product
Initial rate
Overall cost
for comparison
Max % LTV
Completion Fee
Mortgage Repayment
 
Buy for University – Term Discount
Representative Example
6.09%
6.4% APRC
80%
£0
Product
Buy for University – Term Discount
Representative Example
Initial rate
6.09%
Overall cost for comparison
6.4% APRC
Max% LTV
80%
Completion Fee
£0
Buy for University – Term Discount
Representative Example
6.19%
6.5% APRC
100%
£499
Product
Buy for University – Term Discount
Representative Example
Initial rate
6.19%
Overall cost for comparison
6.5% APRC
Max% LTV
100%
Completion Fee
£499
2 Year Discount
Representative Example
5.05%
7.7% APRC
90%
£999
Product
2 Year Discount
Representative Example
Initial rate
5.05%
Overall cost for comparison
7.7% APRC
Max% LTV
90%
Completion Fee
£999
Borrowing Into Retirement Term Discount
Representative Example
5.79%
6.0% APRC
60%
£0
Product
Borrowing Into Retirement Term Discount
Representative Example
Initial rate
5.79%
Overall cost for comparison
6.0% APRC
Max% LTV
60%
Completion Fee
£0
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
5.15%
7.6% APRC
95%
£999
Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example
Initial rate
5.15%
Overall cost for comparison
7.6% APRC
Max% LTV
95%
Completion Fee
£999