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Home > Mortgages > First time buyers

First time buyers

Our range of mortgages for First Time Buyers, including the FTB 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, which products are available to you and how much your monthly payments would be.

You can find more information on buying your first home here.

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
 
Joint Borrower Sole Proprietor 5 Year Fixed
Representative Example
3.89%
4.8% APRC
85%
£0
Product
Joint Borrower Sole Proprietor 5 Year Fixed
Representative Example
Initial rate
3.89%
Overall cost for comparison
4.8% APRC
Max% LTV
85%
Completion Fee
£0
Family Deposit Mortgage 3 Year Fixed
Representative Example
3.49%
4.9% APRC
100%
£0
Product
Family Deposit Mortgage 3 Year Fixed
Representative Example
Initial rate
3.49%
Overall cost for comparison
4.9% APRC
Max% LTV
100%
Completion Fee
£0
2 Year Fixed
Representative Example
2.95%
5.00% APRC
85%
£999
Product
2 Year Fixed
Representative Example
Initial rate
2.95%
Overall cost for comparison
5.00% APRC
Max% LTV
85%
Completion Fee
£999
5 Year Fixed
Representative Example
2.99%
4.3% APRC
80%
£499
Product
5 Year Fixed
Representative Example
Initial rate
2.99%
Overall cost for comparison
4.3% APRC
Max% LTV
80%
Completion Fee
£499
5 Year Fixed
Representative Example
3.20%
4.5% APRC
85%
£499
Product
5 Year Fixed
Representative Example
Initial rate
3.20%
Overall cost for comparison
4.5% APRC
Max% LTV
85%
Completion Fee
£499
5 Year Fixed
Representative Example
3.65%
4.6% APRC
90%
£0
Product
5 Year Fixed
Representative Example
Initial rate
3.65%
Overall cost for comparison
4.6% APRC
Max% LTV
90%
Completion Fee
£0
Shared Ownership 2 Year Fixed
Representative Example
3.85%
5.3% APRC
95%
£499
Product
Shared Ownership 2 Year Fixed
Representative Example
Initial rate
3.85%
Overall cost for comparison
5.3% APRC
Max% LTV
95%
Completion Fee
£499
Shared Ownership 5 Year Fixed
Representative Example
4.15%
5.0% APRC
95%
£0
Product
Shared Ownership 5 Year Fixed
Representative Example
Initial rate
4.15%
Overall cost for comparison
5.0% APRC
Max% LTV
95%
Completion Fee
£0

Variable rate

Product
Initial rate
Overall cost
for comparison
Max % LTV
Completion Fee
Mortgage Repayment
 
Joint Borrower Sole Proprietor 3 Year Discount
Representative Example
3.35%
4.7% APRC
85%
£0
Product
Joint Borrower Sole Proprietor 3 Year Discount
Representative Example
Initial rate
3.35%
Overall cost for comparison
4.7% APRC
Max% LTV
85%
Completion Fee
£0
Family Deposit Mortgage 2 Year Discount
Representative Example
3.10%
5.0% APRC
100%
£0
Product
Family Deposit Mortgage 2 Year Discount
Representative Example
Initial rate
3.10%
Overall cost for comparison
5.0% APRC
Max% LTV
100%
Completion Fee
£0
2 Year Discount
Representative Example
3.15%
5.0% APRC
90%
£699
Product
2 Year Discount
Representative Example
Initial rate
3.15%
Overall cost for comparison
5.0% APRC
Max% LTV
90%
Completion Fee
£699
3 Year Discount
Representative Example
3.39%
4.9% APRC
85%
£0
Product
3 Year Discount
Representative Example
Initial rate
3.39%
Overall cost for comparison
4.9% APRC
Max% LTV
85%
Completion Fee
£0