First Time Buyer Mortgage

First Time Buyer Mortgage

First Time Buyer Mortgage - First time buyer mortgage is a mortgage package created for first time buyers who are purchasing their first property. First time buyers seeking mortgage solutions can often be overwhelmed by the large range of mortgage options available on the market. Many lenders offer an exclusive first time buyer mortgage package. A first time buyer mortgage package will typically have incentives such as offering cash back, offering a higher loan to value on the mortgage or using a high income multiplier. These incentives may enable first time buyers to borrow more money for their first property than other packages. It is important for first time buyers to be aware of the additional costs that come with any first time buyer mortgage packages. These include a deposit, lenders fees or any insurance costs required.

As a mortgage broker specialising in first time buyer mortgage packages, we understand the problems first time buyers seeking a mortgage can encounter. We are able to offer those seeking first time buyer mortgage solutions the advice and assistance required. We can offer an individual advisor to take our first time buyer through the entire process, explaining any terminology and exploring all options. Our personalised service is tailored to the individual needs of our clients to help us secure the right first time buyer mortgage rate for you.

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

For more information on first time buyer mortgage solutions contact a member of our advisory team.

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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
Principality BS 2 Year Fixed £1395 Fee BPR1.35%FixedApr-20204.9%4.4%APRC30-Apr-2020 £1395999%
Product Code: FXY
Product Name: 2 Year Fixed £1395 Fee
Lender Code: BPR
Lender Name: Principality BS
Initial Pay Rate: 1.35
Mortgage Class: Fixed
Initial Rate Period: Apr-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.9
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 30-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 752.13
Monthly Payment After Initial Period: 1076.16
Fees Total: 1891.00
True Cost: 0.00
True Cost Over Initial Period: 20030.38
Cashback: 0.00
Valuation Fee: 330.00
Arrangement Fee: 1395.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 21
Max LTV Available: 999
Product Type: Residential
Mortgage Discharge Fee: 145.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 650000.00
Legal Fee: 150.00
Lender Product Reference: 11408
Detail
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

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.