First Time Buyer 95% Fixed Rate Mortgage until 31/03/2017


fixed until 31/03/2017 then changing to our Standard Variable Rate which is currently ...


and remaining on variable rate terms for rest of mortgage.

The overall cost for comparison is

5.6% APR

  • Borrow up to 95% value of the property.
  • Arrangement fee £495.
  • Early repayment charge 3.00% (until 30/11/2016).
  • Other restrictions apply.
Find out more
First Time Buyer 95% Fixed Rate Mortgage until 31/03/2017.


We recognise that your home is as unique as you are and so we offer a personal and bespoke approach to mortgages and lending.

Spotlight on: Specialist Mortgages

Our mortgage team review your circumstances and personal financial situation and will take into account the type of property you are buying. We will consider mortgages not just for standard residential properties but also lending for unusual properties, projects such as self build, property development, bridging and buy-to-let mortgages.

We have a team of underwriters individually assessing each and every application, so whether you have an unusual income, are self-employed or would like us to consider something a little out of the ordinary, we may be able to help.

We are also keen to support first time buyers who want to get on the property ladder through our branch network. We recognise that as a first time buyer, you may well struggle to provide any kind of previous payment history, combined with the difficulty of finding a large deposit to satisfy many mortgage lenders. Ask us about our First Time Buyer mortgages where we will consider your rental history as demonstration towards your ability to repay. Mortgages are available with deposits of only 5%.

We guide you through the entire application process, helping you get decisions quickly and provide you with a dedicated contact. For more details or to set up an appointment with a mortgage consultant call us on 0800 072 1100 (lines are open Monday to Friday 9am to 5pm or Saturday 9am to 1pm) or call into your local branch.

Your home may be repossessed if you do not keep up repayments on your mortgage