First Mortgage

First Mortgage

First Mortgage - First mortgage refers to the first mortgage taken out by an individual on a property. Whether a first time buyer, or obtaining a mortgage on a previously un-mortgaged property, a first mortgage can be an important financial commitment. Obtaining your first mortgage can be the hardest mortgage to obtain, as mortgage lenders are often sceptical about lending to borrowers that do not have a track-record for borrowing large amounts such as those required by a mortgage. There are a number of factors to keep in mind when searching for a first mortgage, including the loan-to-value ratio of the loan you are applying for and the interest and repayment structures. It may be easier to obtain a first mortgage as a first-time buyer if requesting a relatively low loan-to-value ratio, as this lessens the liability for lenders.

Whatever factors you are considering when searching for a first mortgage, receiving the accurate and helpful advice and guidance is paramount. This is where we can help.

We have extensive experience finding the right mortgages for our clients, from the right lenders, at the right rate. We strive to provide the highest standards of client-centred service, making sure all your questions and queries are answered fully throughout the application process. This enables you to make informed decisions when obtaining a first mortgage. We will even fill in all the paperwork on your behalf, saving you substantial amounts of time and hassle.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Call today to obtain your first mortgage at a cost-effective rate.

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Residential - Purchase - First Time Buyer Rates


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Barclays Bank 3 Year Fixed No Fee Family Springboard BWO2.49%FixedApr-20212.99%2.9%APRC30-Apr-2021 £095%
Product Code: 238
Product Name: 3 Year Fixed No Fee Family Springboard
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 2.49
Mortgage Class: Fixed
Initial Rate Period: Apr-2021
Initial Rate Period Months: 38
Standard Variable Rate: 2.99
Apr Lenders: 2.9
Early Repayment Charge Applies Until: 30-Apr-2021
Early Repayment Charge Period Sort Field: 1455
Initial Monthly Payment: 851.42
Monthly Payment After Initial Period: 894.42
Fees Total: 115.00
True Cost: 0.00
True Cost Over Initial Period: 32468.96
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 126.00
Lender Product Reference: BG96
Detail
The Melton BS 3 Year Discount No Fee BME2.79%Discount3 years 4.99%4.7%APRC3 years £095%
Product Code: 15Q
Product Name: 3 Year Discount No Fee
Lender Code: BME
Lender Name: The Melton BS
Initial Pay Rate: 2.79
Mortgage Class: Discount
Initial Rate Period: 3 years
Initial Rate Period Months: 36
Standard Variable Rate: 4.99
Apr Lenders: 4.7
Early Repayment Charge Applies Until: 3 years
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 880.39
Monthly Payment After Initial Period: 1084.19
Fees Total: 415.00
True Cost: 0.00
True Cost Over Initial Period: 31859.04
Cashback: 250.00
Valuation Fee: 240.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 150.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 250000.00
Legal Fee: 155.00
Lender Product Reference: DISC 026
Detail
Ipswich BS Intermediary 3 Year Discount No Fee BIP2.89%Discount3 years 5.49%4.9%APRC2 years £19995%
Product Code: 002T8P
Product Name: Intermediary 3 Year Discount No Fee
Product Availability: Intermediaries Only
Lender Code: BIP
Lender Name: Ipswich BS
Initial Pay Rate: 2.89
Mortgage Class: Discount
Initial Rate Period: 3 years
Initial Rate Period Months: 36
Standard Variable Rate: 5.49
Apr Lenders: 4.9
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 890.33
Monthly Payment After Initial Period: 1135.28
Fees Total: 544.00
True Cost: 0.00
True Cost Over Initial Period: 32560.88
Cashback: 0.00
Valuation Fee: 160.00
Arrangement Fee: 0.00
Booking Fee: 199.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 95.00
Deeds Release Fee: 55.00
Product Match Status: Available
MaxLoan Available: 350000.00
Legal Fee: 150.00
Lender Product Reference: 11051 / 67065
Detail
Ipswich BS Direct / Semi Exclusive 3 Year Discount No Fee BIP2.89%Discount3 years 5.49%4.9%APRC3 years £19995%
Product Code: 002T8Q
Product Name: Direct / Semi Exclusive 3 Year Discount No Fee
Product Availability: Exclusive
Lender Code: BIP
Lender Name: Ipswich BS
Initial Pay Rate: 2.89
Mortgage Class: Discount
Initial Rate Period: 3 years
Initial Rate Period Months: 36
Standard Variable Rate: 5.49
Apr Lenders: 4.9
Early Repayment Charge Applies Until: 3 years
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 890.33
Monthly Payment After Initial Period: 1135.28
Fees Total: 544.00
True Cost: 0.00
True Cost Over Initial Period: 32560.88
Cashback: 0.00
Valuation Fee: 160.00
Arrangement Fee: 0.00
Booking Fee: 199.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 95.00
Deeds Release Fee: 55.00
Product Match Status: Available
MaxLoan Available: 350000.00
Legal Fee: 150.00
Lender Product Reference: 11051 / 67065
Detail
Family Building Society (NCBS) 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.94%FixedFeb-20214.79%4.5%APRC28-Feb-2021 £77495%
Product Code: 0023B2
Product Name: 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.94
Mortgage Class: Fixed
Initial Rate Period: Feb-2021
Initial Rate Period Months: 36
Standard Variable Rate: 4.79
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 28-Feb-2021
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 897.91
Monthly Payment After Initial Period: 1069.92
Fees Total: 904.00
True Cost: 0.00
True Cost Over Initial Period: 32629.76
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0123
Detail
Family Building Society (NCBS) ATOM 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.94%FixedFeb-20214.79%4.5%APRC28-Feb-2021 £77495%
Product Code: 0023B3
Product Name: ATOM 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.94
Mortgage Class: Fixed
Initial Rate Period: Feb-2021
Initial Rate Period Months: 36
Standard Variable Rate: 4.79
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 28-Feb-2021
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 897.91
Monthly Payment After Initial Period: 1069.92
Fees Total: 1003.00
True Cost: 0.00
True Cost Over Initial Period: 32629.76
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0123
Detail
Family Building Society (NCBS) Brightstar 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.94%FixedFeb-20214.79%4.5%APRC28-Feb-2021 £77495%
Product Code: 0023B4
Product Name: Brightstar 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.94
Mortgage Class: Fixed
Initial Rate Period: Feb-2021
Initial Rate Period Months: 36
Standard Variable Rate: 4.79
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 28-Feb-2021
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 897.91
Monthly Payment After Initial Period: 1069.92
Fees Total: 1203.00
True Cost: 0.00
True Cost Over Initial Period: 32629.76
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0123
Detail
Family Building Society (NCBS) Complete FS 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.94%FixedFeb-20214.79%4.5%APRC28-Feb-2021 £77495%
Product Code: 0023B5
Product Name: Complete FS 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.94
Mortgage Class: Fixed
Initial Rate Period: Feb-2021
Initial Rate Period Months: 36
Standard Variable Rate: 4.79
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 28-Feb-2021
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 897.91
Monthly Payment After Initial Period: 1069.92
Fees Total: 1103.00
True Cost: 0.00
True Cost Over Initial Period: 32629.76
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0123
Detail
Family Building Society (NCBS) Positive Lending 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.94%FixedFeb-20214.79%4.5%APRC28-Feb-2021 £77495%
Product Code: 0023B6
Product Name: Positive Lending 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.94
Mortgage Class: Fixed
Initial Rate Period: Feb-2021
Initial Rate Period Months: 36
Standard Variable Rate: 4.79
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 28-Feb-2021
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 897.91
Monthly Payment After Initial Period: 1069.92
Fees Total: 1199.00
True Cost: 0.00
True Cost Over Initial Period: 32629.76
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0123
Detail
Family Building Society (NCBS) Buy to Let Club 3 Year Fixed £599 Fee Purchase Family Mortgage FAM2.94%FixedFeb-20214.79%4.5%APRC28-Feb-2021 £77495%
Product Code: 002X3I
Product Name: Buy to Let Club 3 Year Fixed £599 Fee Purchase Family Mortgage
Lender Code: FAM
Lender Name: Family Building Society (NCBS)
Initial Pay Rate: 2.94
Mortgage Class: Fixed
Initial Rate Period: Feb-2021
Initial Rate Period Months: 36
Standard Variable Rate: 4.79
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 28-Feb-2021
Early Repayment Charge Period Sort Field: 1453
Initial Monthly Payment: 897.91
Monthly Payment After Initial Period: 1069.92
Fees Total: 904.00
True Cost: 0.00
True Cost Over Initial Period: 32629.76
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 599.00
Booking Fee: 175.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 95
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 153.93
Lender Product Reference: XF0123
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £190000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.