Real help for first time buyers

So you’re looking to take the plunge and buy your first home. It’s an exciting time. But we realise that it can also be a little daunting so we’re here to help you every step of the way.

Because we take a more personal approach, our Mortgage Advisers will guide you through the process, answer any questions and together we’ll work out how we can help you based on how much you can comfortably afford.

The good news is that we offer competitive rates and you’ll only need a minimum of 5% of the value of your new home as a deposit. That can really help to get you on the property ladder and perhaps leave you with some money to spend on your new home.

  • Competitive rates for first-time buyers
  • Minimum deposit of just 5%
  • Expert help from our friendly Mortgage Advisers

Talk to us today

To arrange an appointment with one of our Mortgage Advisers call us free on:0800 072 1100or complete the form below:

Thank you for your enquiry.

A Mortgage Adviser will be in contact with you within 3 working days.

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

Initial ratethen changing to our SVR, currentlyThe overall cost for comparison isProduct periodDeposit requiredArrangement fee
3.97% Fixed5.39%5.0% APRCFixed until 30/09/20215%£495More
3.97% Fixed5.39%5.1% APRCFixed until 30/06/20205%NoneMore
4.49% Variable5.39%5.4% APRCtwo years5%NoneMore

Representative example:

The following representative example is intended to allow you to easily compare products across lender and does not reflect what your actual monthly payment or APRC could be. Please contact us if you have any questions regarding this.

A mortgage of £294,530 payable over 35 years, initially on a Fixed rate Until 31.08.2017 at 4.47% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 33 years 6 months, would require 18 monthly payments of £1,388.42 and 402 monthly payments of £1,555.68.

The total amount payable would be £651,559.98 made up of the loan amount plus interest (£357,059.98), an application fee of £135 and a redemption fee of £130.

The overall cost for comparison is 5.4% APRC representative.