The Loughborough Building Society - Shared Ownership 5 Year Fixed

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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 and answers to some questions you may have here.

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

Your monthly repayments:

Fixed rate

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

Joint Borrower Sole Proprietor & Deposit Guarantee 3 Year Fixed
Representative Example

3.75%

5.0% APRC

100%

£699

Product
Joint Borrower Sole Proprietor & Deposit Guarantee 3 Year Fixed
Representative Example

Initial rate
3.75%

Overall cost for comparison
5.0% APRC

Max% LTV
100%

Completion Fee
£699

2 Year Fixed
Representative Example

2.95%

5.1% APRC

90%

£999

Product
2 Year Fixed
Representative Example

Initial rate
2.95%

Overall cost for comparison
5.1% APRC

Max% LTV
90%

Completion Fee
£999

Joint Borrower Sole Proprietor 2 Year Fixed
Representative Example

3.15%

4.3% APRC

90%

£699

Product
Joint Borrower Sole Proprietor 2 Year Fixed
Representative Example

Initial rate
3.15%

Overall cost for comparison
4.3% APRC

Max% LTV
90%

Completion Fee
£699

3 Year Fixed
Representative Example

3.39%

5.0% APRC

95%

£0

Product
3 Year Fixed
Representative Example

Initial rate
3.39%

Overall cost for comparison
5.0% APRC

Max% LTV
95%

Completion Fee
£0

Shared Ownership 2 Year Fixed
Representative Example

3.49%

4.9% APRC

95%

£0

Product
Shared Ownership 2 Year Fixed
Representative Example

Initial rate
3.49%

Overall cost for comparison
4.9% APRC

Max% LTV
95%

Completion Fee
£0

Shared Ownership 5 Year Fixed
Representative Example

3.99%

4.7% APRC

95%

£0

Product
Shared Ownership 5 Year Fixed
Representative Example

Initial rate
3.99%

Overall cost for comparison
4.7% APRC

Max% LTV
95%

Completion Fee
£0

Variable rate

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

Joint Borrower Sole Proprietor & Deposit Guarantee 2 Year Discount
Representative Example

3.25%

5.1% APRC

100%

£499

Product
Joint Borrower Sole Proprietor & Deposit Guarantee 2 Year Discount
Representative Example

Initial rate
3.25%

Overall cost for comparison
5.1% APRC

Max% LTV
100%

Completion Fee
£499

2 Year Discount
Representative Example

1.79%

4.6% APRC

80%

£699

Product
2 Year Discount
Representative Example

Initial rate
1.79%

Overall cost for comparison
4.6% APRC

Max% LTV
80%

Completion Fee
£699

2 Year Discount
Representative Example

2.15%

4.7% APRC

90%

£699

Product
2 Year Discount
Representative Example

Initial rate
2.15%

Overall cost for comparison
4.7% APRC

Max% LTV
90%

Completion Fee
£699

Joint Borrower Sole Proprietor 2 Year Discount
Representative Example

2.75%

4.8% APRC

90%

£499

Product
Joint Borrower Sole Proprietor 2 Year Discount
Representative Example

Initial rate
2.75%

Overall cost for comparison
4.8% APRC

Max% LTV
90%

Completion Fee
£499

First Time Buyer – Buy to Let 2 Year Discount
Representative Example

2.99%

5.2% APRC

80%

£0

Product
First Time Buyer – Buy to Let 2 Year Discount
Representative Example

Initial rate
2.99%

Overall cost for comparison
5.2% APRC

Max% LTV
80%

Completion Fee
£0

Joint Borrower Sole Proprietor 2 Year Discount
Representative Example

3.10%

4.9% APRC

95%

£499

Product
Joint Borrower Sole Proprietor 2 Year Discount
Representative Example

Initial rate
3.10%

Overall cost for comparison
4.9% APRC

Max% LTV
95%

Completion Fee
£499