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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

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

Applicant #1 income *

Applicant #2 income (optional)

You can borrow up to:

LTV Amount

Property Value

Your Deposit

Your loan-to-value (LTV):

Payment Terms

Mortgage Term

Payment options
Repayment
Interest Only

Fixed rate

Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example

6.45%

7.7% APRC

60%

£0

Product
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example

Initial rate
6.45%

Overall cost for comparison
7.7% APRC

Max% LTV
60%

Completion Fee
£0

Prime Plus – 5 Year Fixed
Representative Example

6.35%

7.4% APRC

70%

£0

Product
Prime Plus – 5 Year Fixed
Representative Example

Initial rate
6.35%

Overall cost for comparison
7.4% APRC

Max% LTV
70%

Completion Fee
£0

Prime Plus Shared Ownership 5-Year Fixed
Representative Example

6.55%

7.6% APRC

70%

£0

Product
Prime Plus Shared Ownership 5-Year Fixed
Representative Example

Initial rate
6.55%

Overall cost for comparison
7.6% APRC

Max% LTV
70%

Completion Fee
£0

Family Deposit Mortgage 5 Year Fixed
Representative Example

6.15%

7.5% APRC

100%

£499

Product
Family Deposit Mortgage 5 Year Fixed
Representative Example

Initial rate
6.15%

Overall cost for comparison
7.5% APRC

Max% LTV
100%

Completion Fee
£499

Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example

6.25%

7.5% APRC

100%

£499

Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example

Initial rate
6.25%

Overall cost for comparison
7.5% APRC

Max% LTV
100%

Completion Fee
£499

Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example

5.55%

7.3% APRC

95%

£999

Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example

Initial rate
5.55%

Overall cost for comparison
7.3% APRC

Max% LTV
95%

Completion Fee
£999

Borrowing Into Retirement 5 Year Fixed
Representative Example

5.49%

7.3% APRC

60%

£0

Product
Borrowing Into Retirement 5 Year Fixed
Representative Example

Initial rate
5.49%

Overall cost for comparison
7.3% APRC

Max% LTV
60%

Completion Fee
£0

Borrowing Into Retirement 2 Year Fixed
Representative Example

4.99%

7.8% APRC

60%

£999

Product
Borrowing Into Retirement 2 Year Fixed
Representative Example

Initial rate
4.99%

Overall cost for comparison
7.8% APRC

Max% LTV
60%

Completion Fee
£999

Large Loan/LTI 5 Year Fixed
Representative Example

5.69%

7.0% APRC

80%

£0

Product
Large Loan/LTI 5 Year Fixed
Representative Example

Initial rate
5.69%

Overall cost for comparison
7.0% APRC

Max% LTV
80%

Completion Fee
£0

Large Loan/LTI 2 Year Fixed
Representative Example

5.79%

7.7% APRC

95%

£999

Product
Large Loan/LTI 2 Year Fixed
Representative Example

Initial rate
5.79%

Overall cost for comparison
7.7% APRC

Max% LTV
95%

Completion Fee
£999

2 Year Fixed
Representative Example

5.19%

7.7% APRC

95%

£999

Product
2 Year Fixed
Representative Example

Initial rate
5.19%

Overall cost for comparison
7.7% APRC

Max% LTV
95%

Completion Fee
£999

5 Year Fixed
Representative Example

5.39%

7.1% APRC

95%

£0

Product
5 Year Fixed
Representative Example

Initial rate
5.39%

Overall cost for comparison
7.1% APRC

Max% LTV
95%

Completion Fee
£0

5 Year Fixed
Representative Example

4.99%

7.0% APRC

95%

£1499

Product
5 Year Fixed
Representative Example

Initial rate
4.99%

Overall cost for comparison
7.0% APRC

Max% LTV
95%

Completion Fee
£1499

Shared Ownership 2 Year Fixed
Representative Example

5.85%

7.8% APRC

95%

£0

Product
Shared Ownership 2 Year Fixed
Representative Example

Initial rate
5.85%

Overall cost for comparison
7.8% 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

Borrowing Into Retirement Term Discount
Representative Example

5.89%

6.1% APRC

60%

£499

Product
Borrowing Into Retirement Term Discount
Representative Example

Initial rate
5.89%

Overall cost for comparison
6.1% APRC

Max% LTV
60%

Completion Fee
£499

Buy for University – Term Discount
Representative Example

6.04%

6.3% APRC

80%

£0

Product
Buy for University – Term Discount
Representative Example

Initial rate
6.04%

Overall cost for comparison
6.3% APRC

Max% LTV
80%

Completion Fee
£0

Buy for University – Term Discount
Representative Example

6.14%

6.5% APRC

100%

£499

Product
Buy for University – Term Discount
Representative Example

Initial rate
6.14%

Overall cost for comparison
6.5% APRC

Max% LTV
100%

Completion Fee
£499

Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example

5.10%

7.5% APRC

95%

£999

Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example

Initial rate
5.10%

Overall cost for comparison
7.5% APRC

Max% LTV
95%

Completion Fee
£999

2 Year Discount
Representative Example

5.25%

7.6% APRC

95%

£0

Product
2 Year Discount
Representative Example

Initial rate
5.25%

Overall cost for comparison
7.6% APRC

Max% LTV
95%

Completion Fee
£0