Compare First Time Buyer Mortgages

Compare the best first time buyer mortgages available in the UK so that you can find the best mortgage deal for your needs in minutes. We also explain the different mortgages available for first time buyers including 100%, flexible, fixed rate and interest only mortgage deals.
 CompanyMortgage TypeInitial RateFinal RateAPRMax LTV 
 
 APREnd Date    
 Promoted Results
NatWestNatWest 2yr BBR + 1.69% H/P LTV 60% DirectStandard2.19%30 Nov
2012
4%4%60%NatWest 2yr BBR + 1.69% H/P LTV 60% Direct
Proceed
RBSRBS 2yr BBR + 1.69% Tracker H/P LTV 60%Standard2.19%30 Nov
2012
4%4%60%RBS 2yr BBR + 1.69% Tracker H/P LTV 60%
Proceed
ING DirectING Direct 2 Year BBR + 1.79% Tracker H/P LTV 60%Standard2.29%24months3.5%3.5%60%ING Direct 2 Year BBR + 1.79% Tracker H/P LTV 60%
Proceed
Yorkshire BSYorkshire BS 2yr BBR + 1.99% Tracker Offset LTV 75% DirectStandard2.49%30 Sep
2012
4.99%4.7%75%Yorkshire BS 2yr BBR + 1.99% Tracker Offset LTV 75% Direct
Proceed
SantanderSantander 2yr BBR + 2.09% Tracker LTV 70%Standard2.59%24months4.24%4.1%70%Santander 2yr BBR + 2.09% Tracker LTV 70%
Proceed
First DirectFirst Direct Term BBR + 2.09% Offset LTV 65% DirectOffset2.59%term2.79%2.6%65%First Direct Term BBR + 2.09% Offset LTV 65% Direct
Proceed
ING DirectING Direct 2yr 0.90% Discount H/P LTV 70%Discounted2.60%30 Nov
2012
3.5%3.5%70%ING Direct 2yr 0.90% Discount H/P LTV 70%
Proceed
SantanderSantander 2yr BBR + 2.17% Tracker H/P LTV 70% DirectStandard2.67%24months4.24%4.1%70%Santander 2yr BBR + 2.17% Tracker H/P LTV 70% Direct
Proceed
SantanderSantander 3yr BBR + 2.17% Tracker H/P LTV 70%Standard2.67%36months4.24%3.8%70%Santander 3yr BBR + 2.17% Tracker H/P LTV 70%
Proceed
SantanderSantander 2yr 2.75% Fixed LTV 60% DirectFixed Rate2.75%02 Nov
2012
4.24%4.2%60%Santander 2yr 2.75% Fixed LTV 60% Direct
Proceed
SantanderSantander 2yr BBR + 2.27% Tracker H/P LTV 70% DirectStandard2.77%24months4.24%4.1%70%Santander 2yr BBR + 2.27% Tracker H/P LTV 70% Direct
Proceed
 
Available via brokers only.
ING DirectING Direct 2yr 2.79% Fixed H/P LTV 60%Fixed Rate2.79%30 Nov
2012
3.5%3.5%60%ING Direct 2yr 2.79% Fixed H/P LTV 60%
Proceed
Lloyds TSBLloyds TSB 2yr BBR + 2.29% Tracker H/P LTV 75% Ex/C DirectStandard2.79%30 Sep
2012
3.99%3.9%75%Lloyds TSB 2yr BBR + 2.29% Tracker H/P LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
NatWestNatWest 2yr BBR+2.29% H/P LTV 75% Dir AdvPrivate/Bus Ex/CStandard2.79%30 Nov
2012
4%4%75%NatWest 2yr BBR+2.29% H/P LTV 75% Dir AdvPrivate/Bus Ex/C
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
NatWestNatWest 2yr BBR+2.29% H/P LTV 75% Dir AdPt/Bus Ex/C no-ERCStandard2.79%30 Nov
2012
4%4.1%75%NatWest 2yr BBR+2.29% H/P LTV 75% Dir AdPt/Bus Ex/C no-ERC
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
NatWestNatWest 2yr BBR+2.29% R/M LTV 75% Dir AdPt/Bus Ex/C no-ERCStandard2.79%30 Nov
2012
4%4.1%75%NatWest 2yr BBR+2.29% R/M LTV 75% Dir AdPt/Bus Ex/C no-ERC
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available... more
SantanderSantander 2yr BBR + 2.29% Tracker H/P LTV 75% >£550kStandard2.79%24months4.24%4.2%75%Santander 2yr BBR + 2.29% Tracker H/P LTV 75% >£550k
Proceed
ING DirectING Direct 2 Year BBR + 2.34% Tracker H/P LTV 80%Standard2.84%24months3.5%3.6%80%ING Direct 2 Year BBR + 2.34% Tracker H/P LTV 80%
Proceed
NatWestNatWest 2yr BBR+2.34% H/P LTV 75% Dir AdvGold/Pte/Bus Ex/CStandard2.84%30 Nov
2012
4%4%75%NatWest 2yr BBR+2.34% H/P LTV 75% Dir AdvGold/Pte/Bus Ex/C
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Post OfficePost Office 2yr 2.85% Fixed BBR LTV 65%Fixed Rate2.85%30 Sep
2012
3.49%3.6%65%Post Office 2yr 2.85% Fixed BBR LTV 65%
Proceed
Yorkshire BSYorkshire BS Flexi 2yr 2.89% Fxd LTV 75% DirectFixed Rate2.89%30 Sep
2012
4.99%4.8%75%Yorkshire BS Flexi 2yr 2.89% Fxd LTV 75% Direct
Proceed
 A competitive rate for 2 years. Early repayment charges apply during the special deal period. £995 fee. Apply online with a award-winning, paperless process.
NatWestNatWest 2yr BBR + 2.39% H/P LTV 75% DirectStandard2.89%30 Nov
2012
4%4.1%75%NatWest 2yr BBR + 2.39% H/P LTV 75% Direct
Proceed
SantanderSantander 2yr BBR + 2.39% Tracker H/P LTV 75% DirectStandard2.89%24months4.24%4.2%75%Santander 2yr BBR + 2.39% Tracker H/P LTV 75% Direct
Proceed
Post OfficePost Office Term BBR + 2.49% Tracker LTV 75%Standard2.99%term3.19%3.1%75%Post Office Term BBR + 2.49% Tracker LTV 75%
Proceed
Yorkshire BSYorkshire BS Flexi 2yr 2.99% Fxd Offset LTV 75% DirectFixed Rate2.99%30 Sep
2012
4.99%4.8%75%Yorkshire BS Flexi 2yr 2.99% Fxd Offset LTV 75% Direct
Proceed
Yorkshire BSYorkshire BS Flexi 2yr 2.99% Fxd LTV 75% Offset DirectOffset2.99%30 Sep
2012
4.99%4.8%75%Yorkshire BS Flexi 2yr 2.99% Fxd LTV 75% Offset Direct
Proceed
SkiptonSkipton 2yr 2.99% Fixed BBR H/P LTV 60% DirectFixed Rate2.99%30 Sep
2012
4.95%4.8%60%Skipton 2yr 2.99% Fixed BBR H/P LTV 60% Direct
Proceed
Lloyds TSBLloyds TSB 2yr BBR + 2.49% Tracker H/P LTV 75% DirectStandard2.99%30 Sep
2012
3.99%4%75%Lloyds TSB 2yr BBR + 2.49% Tracker H/P LTV 75% Direct
Proceed
SantanderSantander 2yr BBR + 2.49% Tracker H/P LTV 75% Ex/C DirectStandard2.99%24months4.24%4.1%75%Santander 2yr BBR + 2.49% Tracker H/P LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Post OfficePost Office 2yr 3.05% Fixed BBR LTV 75%Fixed Rate3.05%30 Sep
2012
3.49%3.6%75%Post Office 2yr 3.05% Fixed BBR LTV 75%
Proceed
ING DirectING Direct 2yr 3.09% Fixed LTV 75%Fixed Rate3.09%30 Nov
2012
3.5%3.6%75%ING Direct 2yr 3.09% Fixed LTV 75%
Proceed
WoolwichWoolwich Openplan FM BBR + 2.59% Offset LTV 70%Standard3.09%term2.97%3.3%70%Woolwich Openplan FM BBR + 2.59% Offset LTV 70%
Proceed
WoolwichWoolwich Openplan FM BBR + 2.59% LTV 70%Standard3.09%term2.63%3.2%70%Woolwich Openplan FM BBR + 2.59% LTV 70%
Proceed
NatWestNatWest 2yr 3.09% Fxd H/P LTV 60% Dir AdvPrivate Ex/CFixed Rate3.09%30 Nov
2012
4%4.2%60%NatWest 2yr 3.09% Fxd H/P LTV 60% Dir AdvPrivate Ex/C
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Post OfficePost Office Term BBR + 2.65% Tracker LTV 75% IncentivesStandard3.15%term3.15%3.3%75%Post Office Term BBR + 2.65% Tracker LTV 75% Incentives
Proceed
SantanderSantander 3yr BBR + 2.69% Tracker H/P LTV 75%Standard3.19%36months4.24%4%75%Santander 3yr BBR + 2.69% Tracker H/P LTV 75%
Proceed
RBSRBS 2yr 3.19% Fxd H/P LTV 60% DirectFixed Rate3.19%30 Nov
2012
4%4.1%60%RBS 2yr 3.19% Fxd H/P LTV 60% Direct
Proceed
SantanderSantander 2yr 3.19% Fixed H/P C/B LTV 70% DirectFixed Rate3.19%02 Nov
2012
4.24%4.2%70%Santander 2yr 3.19% Fixed H/P C/B LTV 70% Direct
Proceed
NatWestNatWest 2yr BBR + 2.69% H/P LTV 75% Direct Fee FreeStandard3.19%30 Nov
2012
4%4%75%NatWest 2yr BBR + 2.69% H/P LTV 75% Direct Fee Free
Proceed
NatWestNatWest 2yr 3.19% Fxd H/P LTV 60% DirecFixed Rate3.19%30 Nov
2012
4%4.1%60%NatWest 2yr 3.19% Fxd H/P LTV 60% Direc
Proceed
Post OfficePost Office 2yr 3.25% Fixed BBR LTV 75% IncentivesFixed Rate3.25%30 Sep
2012
3.49%3.6%75%Post Office 2yr 3.25% Fixed BBR LTV 75% Incentives
Proceed
Post OfficePost Office Term BBR + 2.89% Tracker LTV 80%Standard3.39%term3.49%3.5%80%Post Office Term BBR + 2.89% Tracker LTV 80%
Proceed
SantanderSantander 2yr BBR + 2.89% Tracker H/P LTV 80% DirectStandard3.39%24months4.24%4.3%80%Santander 2yr BBR + 2.89% Tracker H/P LTV 80% Direct
Proceed
SantanderSantander Flexible Offset BBR + 2.89% Tracker H/P LTV 75%Standard3.39%term3.49%3.5%75%Santander Flexible Offset BBR + 2.89% Tracker H/P LTV 75%
Proceed
SantanderSantander Flexible Offset BBR + 2.89% Tracker H/P LTV 75%Offset3.39%term3.49%3.5%75%Santander Flexible Offset BBR + 2.89% Tracker H/P LTV 75%
Proceed
Yorkshire BSYorkshire BS 3yr BBR + 2.99% Tracker LTV 85% DirectStandard3.49%30 Sep
2013
4.99%4.7%85%Yorkshire BS 3yr BBR + 2.99% Tracker LTV 85% Direct
Proceed
Post OfficePost Office Term BBR + 2.99% Tracker LTV 80% IncentivesStandard3.49%term3.69%3.6%80%Post Office Term BBR + 2.99% Tracker LTV 80% Incentives
Proceed
SantanderSantander 2yr 3.58% Fixed LTV 75%Fixed Rate3.58%02 Nov
2012
4.24%4.3%75%Santander 2yr 3.58% Fixed LTV 75%
Proceed
WoolwichWoolwich Openplan FM 2yr 3.59% Fxd BBR LTV 75%Fixed Rate3.59%30 Nov
2012
2.99%3.2%75%Woolwich Openplan FM 2yr 3.59% Fxd BBR LTV 75%
Proceed
The One AccountThe One Account One Account CAM LTV 50%Current Account3.65%term3.65%3.7%50%The One Account One Account CAM LTV 50%
Proceed
The One AccountThe One Account One Account CAM LTV 50%Standard3.65%term3.65%3.7%50%The One Account One Account CAM LTV 50%
Proceed
Post OfficePost Office 3yr 3.65% Fixed BBR LTV 75%Fixed Rate3.65%30 Sep
2013
3.49%3.7%75%Post Office 3yr 3.65% Fixed BBR LTV 75%
Proceed
First DirectFirst Direct Offset Standard Variable Rate LTV 75% DirectStandard3.69%term3.69%3.8%75%First Direct Offset Standard Variable Rate LTV 75% Direct
Proceed
First DirectFirst Direct Offset Standard Variable Rate LTV 75% DirectOffset3.69%term3.69%3.8%75%First Direct Offset Standard Variable Rate LTV 75% Direct
Proceed
NatWestNatWest 2yr 3.69% Fxd H/P LTV 75% Dir AdvPrivate/Bus Ex/CFixed Rate3.69%30 Nov
2012
4%4.2%75%NatWest 2yr 3.69% Fxd H/P LTV 75% Dir AdvPrivate/Bus Ex/C
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
NatWestNatWest 2yr 3.74% Fxd H/P LTV 75% Dir ADVGold/Pte/Bus Ex/CFixed Rate3.74%30 Nov
2012
4%4.2%75%NatWest 2yr 3.74% Fxd H/P LTV 75% Dir ADVGold/Pte/Bus Ex/C
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
SantanderSantander 2yr 3.74% Fxd H/P C/B LTV 75% DirectFixed Rate3.74%02 Nov
2012
4.24%4.4%75%Santander 2yr 3.74% Fxd H/P C/B LTV 75% Direct
Proceed
NatWestNatWest Term Flexible Offset LTV 75%Offset3.75%term3.75%3.9%75%NatWest Term Flexible Offset LTV 75%
Proceed
The One AccountThe One Account One Account CAM LTV 75%Current Account3.75%term3.75%3.8%75%The One Account One Account CAM LTV 75%
Proceed
RBSRBS Flexible Offset Variable LTV 75%Offset3.75%term3.75%3.9%75%RBS Flexible Offset Variable LTV 75%
Proceed
The One AccountThe One Account One Account CAM LTV 75%Standard3.75%term3.75%3.8%75%The One Account One Account CAM LTV 75%
Proceed
NatWestNatWest Term Flexible Offset LTV 75% DirectStandard3.75%term3.75%3.9%75%NatWest Term Flexible Offset LTV 75% Direct
Proceed
NatWestNatWest 2yr 3.79% Fxd H/P LTV 75% DirectFixed Rate3.79%30 Nov
2012
4%4.2%75%NatWest 2yr 3.79% Fxd H/P LTV 75% Direct
Proceed
Post OfficePost Office 2yr 3.79% Fixed BBR LTV 80%Fixed Rate3.79%30 Sep
2012
3.49%3.7%80%Post Office 2yr 3.79% Fixed BBR LTV 80%
Proceed
Post OfficePost Office 3yr 3.85% Fixed BBR LTV 75% IncentivesFixed Rate3.85%30 Sep
2013
3.49%3.7%75%Post Office 3yr 3.85% Fixed BBR LTV 75% Incentives
Proceed
ING DirectING Direct 3yr 3.89% Fixed LTV 75%Fixed Rate3.89%30 Nov
2013
3.5%3.7%75%ING Direct 3yr 3.89% Fixed LTV 75%
Proceed
SantanderSantander 2yr 3.90% Fixed H/P C/B LTV 75% DirectFixed Rate3.90%02 Nov
2012
4.24%4.3%75%Santander 2yr 3.90% Fixed H/P C/B LTV 75% Direct
Proceed
Post OfficePost Office 2yr 3.94% Fixed BBR LTV 85%Fixed Rate3.94%30 Sep
2012
3.49%3.7%85%Post Office 2yr 3.94% Fixed BBR LTV 85%
Proceed
Post OfficePost Office 3yr 3.95% Fixed BBR LTV 80%Fixed Rate3.95%30 Sep
2013
3.49%3.8%80%Post Office 3yr 3.95% Fixed BBR LTV 80%
Proceed
Post OfficePost Office 2yr 3.99% Fixed BBR LTV 80% IncentivesFixed Rate3.99%30 Sep
2012
3.49%3.7%80%Post Office 2yr 3.99% Fixed BBR LTV 80% Incentives
Proceed
Post OfficePost Office Term BBR + 3.49% Tracker LTV 85%Standard3.99%term4.59%4.2%85%Post Office Term BBR + 3.49% Tracker LTV 85%
Proceed
First DirectFirst Direct 5yr 4.19% Fixed LTV 65% DirectFixed Rate4.19%60months3.69%4%65%First Direct 5yr 4.19% Fixed LTV 65% Direct
Proceed
Post OfficePost Office 5yr 4.19% Fixed BBR LTV 75%Fixed Rate4.19%30 Sep
2015
3.49%4%75%Post Office 5yr 4.19% Fixed BBR LTV 75%
Proceed
NatWestNatWest 2yr 4.29% Fxd LTV 75% Direct Only Shared EquityFixed Rate4.29%30 Nov
2012
4%4.2%75%NatWest 2yr 4.29% Fxd LTV 75% Direct Only Shared Equity
Proceed
Post OfficePost Office 5yr 4.35% Fixed BBR LTV 75% IncentivesFixed Rate4.35%30 Sep
2015
3.49%4%75%Post Office 5yr 4.35% Fixed BBR LTV 75% Incentives
Proceed
NatWestNatWest 3yr 4.39% Fxd H/P LTV 75% DirectFixed Rate4.39%30 Nov
2013
4%4.3%75%NatWest 3yr 4.39% Fxd H/P LTV 75% Direct
Proceed
SantanderSantander 2yr BBR + 3.94% Tracker H/P LTV 85% DirectStandard4.44%24months4.24%4.5%85%Santander 2yr BBR + 3.94% Tracker H/P LTV 85% Direct
Proceed
SantanderSantander 4yr 4.45% Fixed H/P C/B LTV 70%Fixed Rate4.45%02 Nov
2014
4.24%4.5%70%Santander 4yr 4.45% Fixed H/P C/B LTV 70%
Proceed
Post OfficePost Office 3yr 4.49% Fixed BBR LTV 80% IncentivesFixed Rate4.49%30 Sep
2013
3.49%3.9%80%Post Office 3yr 4.49% Fixed BBR LTV 80% Incentives
Proceed
Post OfficePost Office 2yr 4.49% Fixed BBR LTV 85% IncentivesFixed Rate4.49%30 Sep
2012
3.49%3.8%85%Post Office 2yr 4.49% Fixed BBR LTV 85% Incentives
Proceed
First DirectFirst Direct 5yr 4.69% Fixed LTV 75% DirectFixed Rate4.69%60months3.69%4.2%75%First Direct 5yr 4.69% Fixed LTV 75% Direct
Proceed
Post OfficePost Office 3yr 4.69% Fixed BBR LTV 85%Fixed Rate4.69%30 Sep
2013
3.49%4%85%Post Office 3yr 4.69% Fixed BBR LTV 85%
Proceed
Post OfficePost Office 5yr 4.75% Fixed BBR LTV 80%Fixed Rate4.75%30 Sep
2015
3.49%4.2%80%Post Office 5yr 4.75% Fixed BBR LTV 80%
Proceed
SantanderSantander 4yr 4.75% Fixed H/P C/B LTV 75%Fixed Rate4.75%02 Nov
2014
4.24%4.6%75%Santander 4yr 4.75% Fixed H/P C/B LTV 75%
Proceed
SantanderSantander 5yr 4.75% Fixed H/P C/B LTV 70%Fixed Rate4.75%02 Nov
2015
4.24%4.7%70%Santander 5yr 4.75% Fixed H/P C/B LTV 70%
Proceed
Post OfficePost Office Term BBR + 4.25% Tracker LTV 85% IncentivesStandard4.75%term3.39%4.9%85%Post Office Term BBR + 4.25% Tracker LTV 85% Incentives
Proceed
Post OfficePost Office 5yr 4.78% Fixed BBR LTV 75% Incentives No FeeFixed Rate4.78%30 Sep
2015
3.49%4.1%75%Post Office 5yr 4.78% Fixed BBR LTV 75% Incentives No Fee
Proceed
ING DirectING Direct 5yr 4.79% Fixed LTV 80%Fixed Rate4.79%30 Nov
2015
3.5%4.2%80%ING Direct 5yr 4.79% Fixed LTV 80%
Proceed
WoolwichWoolwich Openplan FM 5yr 4.79% Fxd BBR LTV 70%Fixed Rate4.79%30 Nov
2015
2.99%3.9%70%Woolwich Openplan FM 5yr 4.79% Fxd BBR LTV 70%
Proceed
Post OfficePost Office 3yr 4.79% Fixed BBR LTV 85% IncentivesFixed Rate4.79%30 Sep
2013
3.49%4%85%Post Office 3yr 4.79% Fixed BBR LTV 85% Incentives
Proceed
NatWestNatWest 2yr BBR + 4.39% BTL LTV 75% Dir AdvPte/Bus Ex/CBuy To Let4.89%30 Nov
2012
4.5%4.9%75%NatWest 2yr BBR + 4.39% BTL LTV 75% Dir AdvPte/Bus Ex/C
Proceed
 
This is a buy to let mortgage. Available for existing customers only. N.B. Such mortgages may not be displayed... more
NatWestNatWest 2yr BBR + 4.44% BTL LTV 75% Dir Adv/Priv/Bus Ex/CBuy To Let4.94%30 Nov
2012
4.5%4.9%75%NatWest 2yr BBR + 4.44% BTL LTV 75% Dir Adv/Priv/Bus Ex/C
Proceed
 
This is a buy to let mortgage. Available for existing customers only. N.B. Such mortgages may not be displayed... more
Post OfficePost Office 5yr 4.95% Fixed BBR LTV 80% IncentivesFixed Rate4.95%30 Sep
2015
3.49%4.3%80%Post Office 5yr 4.95% Fixed BBR LTV 80% Incentives
Proceed
SantanderSantander 2yr 4.95% Fixed H/P C/B LTV 80%Fixed Rate4.95%02 Nov
2012
4.24%4.6%80%Santander 2yr 4.95% Fixed H/P C/B LTV 80%
Proceed
Post OfficePost Office Term BBR + 4.49% Tracker LTV 90%Standard4.99%term2.99%5.2%90%Post Office Term BBR + 4.49% Tracker LTV 90%
Proceed
NatWestNatWest 2yr BBR + 4.49% Tracker Buy To Let LTV 75% DirectBuy To Let4.99%30 Nov
2012
4.5%5%75%NatWest 2yr BBR + 4.49% Tracker Buy To Let LTV 75% Direct
Proceed
 
This is a buy to let mortgage.
SantanderSantander 4yr 4.99% Fixed H/P C/B LTV 85% Ex/C DirectFixed Rate4.99%02 Nov
2014
4.24%4.6%85%Santander 4yr 4.99% Fixed H/P C/B LTV 85% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
SantanderSantander 5yr 5.15% Fixed H/P C/B LTV 75%Fixed Rate5.15%02 Nov
2015
4.24%4.8%75%Santander 5yr 5.15% Fixed H/P C/B LTV 75%
Proceed
NatWestNatWest 2yr 5.19% Fxd H/P LTV 80% DirectFixed Rate5.19%30 Nov
2012
4%4.5%80%NatWest 2yr 5.19% Fxd H/P LTV 80% Direct
Proceed
Post OfficePost Office 5yr 5.25% Fixed BBR LTV 85%Fixed Rate5.25%30 Sep
2015
3.49%4.4%85%Post Office 5yr 5.25% Fixed BBR LTV 85%
Proceed
WoolwichWoolwich Openplan FM 5yr 5.39% Fxd BBR LTV 80%Fixed Rate5.39%30 Nov
2015
2.99%4.1%80%Woolwich Openplan FM 5yr 5.39% Fxd BBR LTV 80%
Proceed
Post OfficePost Office 5yr 5.39% Fixed BBR LTV 80% Incentives No FeeFixed Rate5.39%30 Sep
2015
3.49%4.4%80%Post Office 5yr 5.39% Fixed BBR LTV 80% Incentives No Fee
Proceed
Post OfficePost Office 2yr 5.45% Fixed BBR LTV 90%Fixed Rate5.45%30 Sep
2012
3.49%4%90%Post Office 2yr 5.45% Fixed BBR LTV 90%
Proceed
WoolwichWoolwich 3yr 5.49% Fxd Buy to Let BBR LTV 60%Buy To Let5.49%02 Dec
2013
2.99%3.9%60%Woolwich 3yr 5.49% Fxd Buy to Let BBR LTV 60%
Proceed
 
This is a buy to let mortgage.
NatWestNatWest 5yr 5.49% Fxd H/P LTV 75% DirectFixed Rate5.49%30 Nov
2015
4%4.9%75%NatWest 5yr 5.49% Fxd H/P LTV 75% Direct
Proceed
Post OfficePost Office Term BBR + 4.99% Tracker LTV 90% IncentivesStandard5.49%term5.65%5.7%90%Post Office Term BBR + 4.99% Tracker LTV 90% Incentives
Proceed
Post OfficePost Office 5yr 5.49% Fixed BBR LTV 85% IncentivesFixed Rate5.49%30 Sep
2015
3.49%4.5%85%Post Office 5yr 5.49% Fixed BBR LTV 85% Incentives
Proceed
Post OfficePost Office 2yr 5.65% Fixed BBR LTV 90% IncentivesFixed Rate5.65%30 Sep
2012
3.49%4.1%90%Post Office 2yr 5.65% Fixed BBR LTV 90% Incentives
Proceed
SantanderSantander 3yr 5.69% Fixed H/P C/B LTV 85%Fixed Rate5.69%02 Nov
2013
4.24%4.8%85%Santander 3yr 5.69% Fixed H/P C/B LTV 85%
Proceed
First DirectFirst Direct 5yr 5.79% Fixed LTV 85% DirectFixed Rate5.79%60months3.69%4.7%85%First Direct 5yr 5.79% Fixed LTV 85% Direct
Proceed
Lloyds TSBLloyds TSB Term BBR + 5.29% Tracker H/PLTV90%Ex/CDirectNoFeeStandard5.79%term5.79%6.1%90%Lloyds TSB Term BBR + 5.29% Tracker H/PLTV90%Ex/CDirectNoFee
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Post OfficePost Office 5yr 5.79% Fixed BBR LTV 85% Incentives No FeeFixed Rate5.79%30 Sep
2015
3.49%4.6%85%Post Office 5yr 5.79% Fixed BBR LTV 85% Incentives No Fee
Proceed
SantanderSantander 4yr 5.84% Fixed FTB C/B LTV 85%Fixed Rate5.84%02 Nov
2014
4.24%4.8%85%Santander 4yr 5.84% Fixed FTB C/B LTV 85%
Proceed
 
Available for first time buyers only.
SantanderSantander 3yr 5.99% Fixed FTB LTV 90% DirectFixed Rate5.99%02 Nov
2013
4.24%5%90%Santander 3yr 5.99% Fixed FTB LTV 90% Direct
Proceed
 
Available for first time buyers only.
RBSRBS 5yr 5.99% Fxd H/P LTV 80% DirectFixed Rate5.99%30 Nov
2015
4%5.1%80%RBS 5yr 5.99% Fxd H/P LTV 80% Direct
Proceed
NatWestNatWest 5yr 5.99% Fxd H/P LTV 80% DirectFixed Rate5.99%30 Nov
2015
4%5%80%NatWest 5yr 5.99% Fxd H/P LTV 80% Direct
Proceed
SantanderSantander 3yr 5.99% Fixed LTV 90% Ex/C DirectFixed Rate5.99%02 Nov
2013
4.24%4.8%90%Santander 3yr 5.99% Fixed LTV 90% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Post OfficePost Office 3yr 5.99% Fixed BBR LTV 90%Fixed Rate5.99%30 Sep
2013
3.49%4.4%90%Post Office 3yr 5.99% Fixed BBR LTV 90%
Proceed
Post OfficePost Office 5yr 5.99% Fixed BBR LTV 90%Fixed Rate5.99%30 Sep
2015
3.49%4.8%90%Post Office 5yr 5.99% Fixed BBR LTV 90%
Proceed
Post OfficePost Office 3yr 6.15% Fixed BBR LTV 90% IncentivesFixed Rate6.15%30 Sep
2013
3.49%4.4%90%Post Office 3yr 6.15% Fixed BBR LTV 90% Incentives
Proceed
NatWestNatWest 2yr 6.19% Fixed Buy To Let LTV 75% DirectBuy To Let6.19%30 Nov
2012
4.5%4.6%75%NatWest 2yr 6.19% Fixed Buy To Let LTV 75% Direct
Proceed
 
This is a buy to let mortgage.
Post OfficePost Office 5yr 6.29% Fixed BBR LTV 90% IncentivesFixed Rate6.29%30 Sep
2015
3.49%4.9%90%Post Office 5yr 6.29% Fixed BBR LTV 90% Incentives
Proceed
Post OfficePost Office 5yr 6.49% Fixed BBR LTV 90% Incentives No FeeFixed Rate6.49%30 Sep
2015
3.49%4.9%90%Post Office 5yr 6.49% Fixed BBR LTV 90% Incentives No Fee
Proceed
NatWestNatWest 5yr 6.89% Fxd H/P LTV 90% DirectFixed Rate6.89%30 Nov
2015
4%5.6%90%NatWest 5yr 6.89% Fxd H/P LTV 90% Direct
Proceed
NatWestNatWest 5yr 6.89% Fxd FTB LTV 75% DirectFixed Rate6.89%30 Nov
2015
4%5.4%75%NatWest 5yr 6.89% Fxd FTB LTV 75% Direct
Proceed
 
Available for first time buyers only.
NatWestNatWest 5yr 6.89% Fxd FTB LTV 90% Direct Rep OnlyFixed Rate6.89%30 Nov
2015
4%5.2%90%NatWest 5yr 6.89% Fxd FTB LTV 90% Direct Rep Only
Proceed
 
Available for first time buyers only.
 Full Results
Cheltenham & GloucesterCheltenham & Gloucester 2yr Stepped BBR Tracker FTB LTV 90% DirectStepped Rate0.49%stepped3.99%3.7%90%Cheltenham & Gloucester 2yr Stepped BBR Tracker FTB LTV 90% Direct
Proceed
 
Available for first time buyers only.
Lloyds TSBLloyds TSB 2yr Stepped BBR Track FTB LTV 90% Direct Ex/CStepped Rate0.49%stepped3.99%3.7%90%Lloyds TSB 2yr Stepped BBR Track FTB LTV 90% Direct Ex/C
Proceed
 
Available for first time buyers and for existing customers only. N.B. Such mortgages may not be displayed on... more
Lloyds TSBLloyds TSB 2yr Stepped BBR Track FTB LTV 90% DirectStepped Rate0.69%stepped2.5%2.4%90%Lloyds TSB 2yr Stepped BBR Track FTB LTV 90% Direct
Proceed
 
Available for first time buyers only.
Lloyds TSBLloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C DirectStandard1.99%30 Nov
2012
3.99%4%75%Lloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSBLloyds TSB 2yr BBR + 1.49% Tracker R/M LTV 75% Ex/C DirectStandard1.99%30 Nov
2012
3.99%4%75%Lloyds TSB 2yr BBR + 1.49% Tracker R/M LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available... more
Lloyds TSBLloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C DirectStandard1.99%30 Nov
2012
3.99%4%75%Lloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Cheltenham & GloucesterCheltenham & Gloucester 2yr BBR + 1.49% Tracker H/P LTV 75% <£250K DirectStandard1.99%30 Nov
2012
3.99%3.9%75%Cheltenham & Gloucester 2yr BBR + 1.49% Tracker H/P LTV 75% <£250K Direct
Proceed
Chorley & District Building SocietyChorley & District Building Society 3yr Stepped Discount LTV 75%Stepped Rate2.00%stepped5.49%5.2%75%Chorley & District Building Society 3yr Stepped Discount LTV 75%
Proceed
NatWestNatWest 2yr BBR + 1.69% H/P LTV 60% DirectStandard2.19%30 Nov
2012
4%4%60%NatWest 2yr BBR + 1.69% H/P LTV 60% Direct
Proceed
RBSRBS 2yr BBR + 1.69% Tracker H/P LTV 60%Standard2.19%30 Nov
2012
4%4%60%RBS 2yr BBR + 1.69% Tracker H/P LTV 60%
Proceed
HSBCHSBC 2yr 1.75% Disc LTV 70% Special DirectDiscounted2.19%24months3.94%3.8%70%HSBC 2yr 1.75% Disc LTV 70% Special Direct
Proceed
Lloyds TSBLloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% DirectStandard2.19%30 Nov
2012
3.99%4.1%75%Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Direct
Proceed
Lloyds TSBLloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% DirectStandard2.19%30 Nov
2012
3.99%4.1%75%Lloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% Direct
Proceed
 
Available for remortgage only.
Lloyds TSBLloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C DirectStandard2.19%30 Nov
2012
3.99%4.1%75%Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSBLloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C DirectStandard2.19%30 Nov
2012
3.99%4.1%75%Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Lloyds TSBLloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% Ex/C DirectStandard2.19%30 Nov
2012
3.99%4.1%75%Lloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% Ex/C Direct
Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available... more
Cheltenham & GloucesterCheltenham & Gloucester 2yr BBR + 1.69% Tracker H/P LTV 75% <£250K DirectStandard2.19%30 Nov
2012
3.99%4%75%Cheltenham & Gloucester 2yr BBR + 1.69% Tracker H/P LTV 75% <£250K Direct
Proceed
HSBCHSBC Term BBR + 1.69% LTV 60% Special DirectStandard2.19%term2.19%2.2%60%HSBC Term BBR + 1.69% LTV 60% Special Direct
Proceed
First DirectFirst Direct 2yr BBR + 1.69% LTV 65% DirectStandard2.19%24months3.69%3.5%65%First Direct 2yr BBR + 1.69% LTV 65% Direct
Proceed
Principality Building SocietyPrincipality Building Society 2yr 2.24% Fixed LTV 75% DirectFixed Rate2.24%30 Sep
2012
4.99%5.1%75%Principality Building Society 2yr 2.24% Fixed LTV 75% Direct
Proceed
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First Time Buyer Mortgage Guide

Mortgage options for those looking to take their first step on the property ladder.

These are mortgage deals especially packaged to attract First Time Buyers. Incentives vary but typically involve cashback, an introductory discounted rate or a lower than normal fixed rate. There could also be reductions on the arrangement or valuation fees.

Cashback could be used to repay stamp duty, or perhaps cover the cost of furnishing your new home. Similarly, a large discount on the variable rate for the first year could cover your new expenses, such as buying furnishings or decorating. A lower than normal fixed rate will save you money and ensure that your monthly repayments are kept constant and predictable at the start of the mortgage.

Advantages

  • A lower than normal rate of interest.
  • Cashback when you most need it.
  • Potentially lower arrangement or valuation fees. These additional costs are completely removed with some mortgage offers.

Disadvantages

  • You may end up paying higher rates for the rest of the mortgage term, after the initial discounts, making the overall cost higher in the long term.

NB This information is provided to give you an overview of the different types of mortgages available. It is not comprehensive and you should not base your mortgage decision on the information found here. We recommend you seek