First Time Buyer Mortgages

We’re proud to have a common sense approach to lending – with each case being manually underwritten. This means that throughout the process, we’re able to offer flexibility to support you and your clients with direct access to an underwriter.


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First Time Buyer Mortgages

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First Time Buyer 2 Year Fixed Rate 95% LTV (fixed until 30.11.2027)

Initial Interest Rate

5.79%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

7.60%

Product Code

IP379

The following is a representative example based on a mortgage of £247,496 payable over 25 years initially on a fixed rate of 5.79% until 30th November 2027, a further discounted rate of 7.04% until 30th November 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 28 monthly payments of £1,563.00, 48 payments of £1,742.17 and 224 monthly payments of £1905.82.

The total amount payable would be £554,614.84 made up of the loan amount plus interest of £306,795.84 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£248) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.6% 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 30.11.2027)

Initial Interest Rate

5.29%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

7.50%

Product Code

IP378

The following is a representative example based on a mortgage of £247,496 payable over 25 years initially on a fixed rate of 5.29% until 30th November 2027, a further discounted rate of 7.04% until 30th November 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 28 monthly payments of £1,488.96, 48 payments of £1,736.26 and 224 monthly payments of £1,899.36.

The total amount payable would be £550,811.00 made up of the loan amount plus interest of £302,992.00 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£248) 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.