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First Time Buyer Mortgages
Our exclusive first time buyer mortgages are designed for customers looking to buy their first home and offer a cash back incentive and no scheme fees.
This mortgage can be applied for as long as one of the applicants has never had a mortgage before.
Our mortgages
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First Time Buyer 2 Year Fixed Rate 95% LTV (fixed until 31.12.2027)
Initial Interest Rate
5.89%
Maximum Loan To Value (LTV)
95%
Overall Cost for Comparison
7.50%
Product Code
DP404
Please note this representative example takes into account the reduction in interest rates due to take effect on 24th October 2025.
Standard Variable Rate (8.29% reducing to 8.14%) and Follow on Variable Rate (7.04% reducing to 6.89%). The Representative Example uses the lower Standard Variable Rate of 8.14% and Follow on Variable Rate of 6.89%.
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.89% until 31st December 2027, a further discounted rate of 6.89% until 31st December 2031, followed by our Standard Variable Rate of 8.14%. In this example you would make 27 monthly payments of £1,147.67, 48 payments of £1,252.16 and 225 monthly payments of £1370.87.
The total amount payable would be £399,804.52 made up of the loan amount plus interest of £219,536.52 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£193.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.5% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
First Time Buyer 2 Year Fixed Rate 90% LTV (fixed until 31.12.2027)
Initial Interest Rate
5.44%
Maximum Loan To Value (LTV)
90%
Overall Cost for Comparison
7.40%
Product Code
DP403
Please note this representative example takes into account the reduction in interest rates due to take effect on 24th October 2025.
Standard Variable Rate (8.29% reducing to 8.14%) and Follow on Variable Rate (7.04% reducing to 6.89%). The Representative Example uses the lower Standard Variable Rate of 8.14% and Follow on Variable Rate of 6.89%.
The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.44% until 31st December 2027, a further discounted rate of 6.89% until 31st December 2031, followed by our Standard Variable Rate of 8.14%. In this example you would make 27 monthly payments of £1,098.92, 48 payments of £1,248.53 and 225 monthly payments of £1,366.90.
The total amount payable would be £397,420.78 made up of the loan amount plus interest of £217,152.78 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£193.00) and a Mortgage Exit Administration Fee (£50.00).
The overall cost for comparison is 7.4% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.