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First time buyers

Our range of mortgages for First Time Buyers, including the FTB Family Depositmeans you could borrow up to 100% of the value of the property you want to buy.

You can find products up to 95% loan to value below and products up to 100% loan to value here.

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. 

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How much can I borrow?

How much can I borrow and what would it cost?

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


Mortgage details


Payment options

Your monthly repayments

Range dependent on the products in the comparison list below

Mortgages for first time buyers

Fixed Rate Mortgages
Product Initial rate Overall cost for
Max % LTV Completion fee Representative

3 Year Fixed

2.19% 4.5% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £162,384.00, payable over 19 years and 2 months (230 months) initially on a fixed rate for 3 years (36 months) of 2.19% and then on our standard variable rate of 5.34% for the remaining 16 years and 2 months (194 months) would require 36 monthly payments of £865.16 then 194 monthly payments of £1,088.49. The total amount payable would be £244,080.61 made up of the loan amount plus interest (£80,222.61) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.5% representative APRC.

How to apply...

The Loughborough mortgage service is tailored to each individual and offered on a fully advised basis where applicable. Our qualified advisers will spend time with you to understand your mortgage needs and financial circumstances before recommending the most suitable solution for you.

There are a number of ways you can arrange to talk to one of our friendly team of Advisers, choose what’s best for you: