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.

Mortgages Guides

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	Company	Mortgage Type	Initial Rate		Final Rate	APR	Max LTV
			APR	End Date
Promoted Results
	NatWest 2yr BBR + 1.69% H/P LTV 60% Direct	Standard	2.19%	30 Nov 2012	4%	4%	60%
	RBS 2yr BBR + 1.69% Tracker H/P LTV 60%	Standard	2.19%	30 Nov 2012	4%	4%	60%
	ING Direct 2 Year BBR + 1.79% Tracker H/P LTV 60%	Standard	2.29%	24months	3.5%	3.5%	60%
	Yorkshire BS 2yr BBR + 1.99% Tracker Offset LTV 75% Direct	Standard	2.49%	30 Sep 2012	4.99%	4.7%	75%
	Santander 2yr BBR + 2.09% Tracker LTV 70%	Standard	2.59%	24months	4.24%	4.1%	70%
	First Direct Term BBR + 2.09% Offset LTV 65% Direct	Offset	2.59%	term	2.79%	2.6%	65%
	ING Direct 2yr 0.90% Discount H/P LTV 70%	Discounted	2.60%	30 Nov 2012	3.5%	3.5%	70%
	Santander 2yr BBR + 2.17% Tracker H/P LTV 70% Direct	Standard	2.67%	24months	4.24%	4.1%	70%
	Santander 3yr BBR + 2.17% Tracker H/P LTV 70%	Standard	2.67%	36months	4.24%	3.8%	70%
	Santander 2yr 2.75% Fixed LTV 60% Direct	Fixed Rate	2.75%	02 Nov 2012	4.24%	4.2%	60%
	Santander 2yr BBR + 2.27% Tracker H/P LTV 70% Direct	Standard	2.77%	24months	4.24%	4.1%	70%
	Santander 2yr BBR + 2.27% Tracker H/P LTV 70% Direct	Available via brokers only.
	ING Direct 2yr 2.79% Fixed H/P LTV 60%	Fixed Rate	2.79%	30 Nov 2012	3.5%	3.5%	60%
	Lloyds TSB 2yr BBR + 2.29% Tracker H/P LTV 75% Ex/C Direct	Standard	2.79%	30 Sep 2012	3.99%	3.9%	75%
	Lloyds TSB 2yr BBR + 2.29% Tracker H/P LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr BBR+2.29% H/P LTV 75% Dir AdvPrivate/Bus Ex/C	Standard	2.79%	30 Nov 2012	4%	4%	75%
	NatWest 2yr BBR+2.29% H/P LTV 75% Dir AdvPrivate/Bus Ex/C	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr BBR+2.29% H/P LTV 75% Dir AdPt/Bus Ex/C no-ERC	Standard	2.79%	30 Nov 2012	4%	4.1%	75%
	NatWest 2yr BBR+2.29% H/P LTV 75% Dir AdPt/Bus Ex/C no-ERC	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr BBR+2.29% R/M LTV 75% Dir AdPt/Bus Ex/C no-ERC	Standard	2.79%	30 Nov 2012	4%	4.1%	75%
	NatWest 2yr BBR+2.29% R/M LTV 75% Dir AdPt/Bus Ex/C no-ERC	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available... more Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Santander 2yr BBR + 2.29% Tracker H/P LTV 75% >£550k	Standard	2.79%	24months	4.24%	4.2%	75%
	ING Direct 2 Year BBR + 2.34% Tracker H/P LTV 80%	Standard	2.84%	24months	3.5%	3.6%	80%
	NatWest 2yr BBR+2.34% H/P LTV 75% Dir AdvGold/Pte/Bus Ex/C	Standard	2.84%	30 Nov 2012	4%	4%	75%
	NatWest 2yr BBR+2.34% H/P LTV 75% Dir AdvGold/Pte/Bus Ex/C	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Post Office 2yr 2.85% Fixed BBR LTV 65%	Fixed Rate	2.85%	30 Sep 2012	3.49%	3.6%	65%
	Yorkshire BS Flexi 2yr 2.89% Fxd LTV 75% Direct	Fixed Rate	2.89%	30 Sep 2012	4.99%	4.8%	75%
	Yorkshire BS Flexi 2yr 2.89% Fxd LTV 75% Direct	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.
	NatWest 2yr BBR + 2.39% H/P LTV 75% Direct	Standard	2.89%	30 Nov 2012	4%	4.1%	75%
	Santander 2yr BBR + 2.39% Tracker H/P LTV 75% Direct	Standard	2.89%	24months	4.24%	4.2%	75%
	Post Office Term BBR + 2.49% Tracker LTV 75%	Standard	2.99%	term	3.19%	3.1%	75%
	Yorkshire BS Flexi 2yr 2.99% Fxd Offset LTV 75% Direct	Fixed Rate	2.99%	30 Sep 2012	4.99%	4.8%	75%
	Yorkshire BS Flexi 2yr 2.99% Fxd LTV 75% Offset Direct	Offset	2.99%	30 Sep 2012	4.99%	4.8%	75%
	Skipton 2yr 2.99% Fixed BBR H/P LTV 60% Direct	Fixed Rate	2.99%	30 Sep 2012	4.95%	4.8%	60%
	Lloyds TSB 2yr BBR + 2.49% Tracker H/P LTV 75% Direct	Standard	2.99%	30 Sep 2012	3.99%	4%	75%
	Santander 2yr BBR + 2.49% Tracker H/P LTV 75% Ex/C Direct	Standard	2.99%	24months	4.24%	4.1%	75%
	Santander 2yr BBR + 2.49% Tracker H/P LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Post Office 2yr 3.05% Fixed BBR LTV 75%	Fixed Rate	3.05%	30 Sep 2012	3.49%	3.6%	75%
	ING Direct 2yr 3.09% Fixed LTV 75%	Fixed Rate	3.09%	30 Nov 2012	3.5%	3.6%	75%
	Woolwich Openplan FM BBR + 2.59% Offset LTV 70%	Standard	3.09%	term	2.97%	3.3%	70%
	Woolwich Openplan FM BBR + 2.59% LTV 70%	Standard	3.09%	term	2.63%	3.2%	70%
	NatWest 2yr 3.09% Fxd H/P LTV 60% Dir AdvPrivate Ex/C	Fixed Rate	3.09%	30 Nov 2012	4%	4.2%	60%
	NatWest 2yr 3.09% Fxd H/P LTV 60% Dir AdvPrivate Ex/C	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Post Office Term BBR + 2.65% Tracker LTV 75% Incentives	Standard	3.15%	term	3.15%	3.3%	75%
	Santander 3yr BBR + 2.69% Tracker H/P LTV 75%	Standard	3.19%	36months	4.24%	4%	75%
	RBS 2yr 3.19% Fxd H/P LTV 60% Direct	Fixed Rate	3.19%	30 Nov 2012	4%	4.1%	60%
	Santander 2yr 3.19% Fixed H/P C/B LTV 70% Direct	Fixed Rate	3.19%	02 Nov 2012	4.24%	4.2%	70%
	NatWest 2yr BBR + 2.69% H/P LTV 75% Direct Fee Free	Standard	3.19%	30 Nov 2012	4%	4%	75%
	NatWest 2yr 3.19% Fxd H/P LTV 60% Direc	Fixed Rate	3.19%	30 Nov 2012	4%	4.1%	60%
	Post Office 2yr 3.25% Fixed BBR LTV 75% Incentives	Fixed Rate	3.25%	30 Sep 2012	3.49%	3.6%	75%
	Post Office Term BBR + 2.89% Tracker LTV 80%	Standard	3.39%	term	3.49%	3.5%	80%
	Santander 2yr BBR + 2.89% Tracker H/P LTV 80% Direct	Standard	3.39%	24months	4.24%	4.3%	80%
	Santander Flexible Offset BBR + 2.89% Tracker H/P LTV 75%	Standard	3.39%	term	3.49%	3.5%	75%
	Santander Flexible Offset BBR + 2.89% Tracker H/P LTV 75%	Offset	3.39%	term	3.49%	3.5%	75%
	Yorkshire BS 3yr BBR + 2.99% Tracker LTV 85% Direct	Standard	3.49%	30 Sep 2013	4.99%	4.7%	85%
	Post Office Term BBR + 2.99% Tracker LTV 80% Incentives	Standard	3.49%	term	3.69%	3.6%	80%
	Santander 2yr 3.58% Fixed LTV 75%	Fixed Rate	3.58%	02 Nov 2012	4.24%	4.3%	75%
	Woolwich Openplan FM 2yr 3.59% Fxd BBR LTV 75%	Fixed Rate	3.59%	30 Nov 2012	2.99%	3.2%	75%
	The One Account One Account CAM LTV 50%	Current Account	3.65%	term	3.65%	3.7%	50%
	The One Account One Account CAM LTV 50%	Standard	3.65%	term	3.65%	3.7%	50%
	Post Office 3yr 3.65% Fixed BBR LTV 75%	Fixed Rate	3.65%	30 Sep 2013	3.49%	3.7%	75%
	First Direct Offset Standard Variable Rate LTV 75% Direct	Standard	3.69%	term	3.69%	3.8%	75%
	First Direct Offset Standard Variable Rate LTV 75% Direct	Offset	3.69%	term	3.69%	3.8%	75%
	NatWest 2yr 3.69% Fxd H/P LTV 75% Dir AdvPrivate/Bus Ex/C	Fixed Rate	3.69%	30 Nov 2012	4%	4.2%	75%
	NatWest 2yr 3.69% Fxd H/P LTV 75% Dir AdvPrivate/Bus Ex/C	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr 3.74% Fxd H/P LTV 75% Dir ADVGold/Pte/Bus Ex/C	Fixed Rate	3.74%	30 Nov 2012	4%	4.2%	75%
	NatWest 2yr 3.74% Fxd H/P LTV 75% Dir ADVGold/Pte/Bus Ex/C	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Santander 2yr 3.74% Fxd H/P C/B LTV 75% Direct	Fixed Rate	3.74%	02 Nov 2012	4.24%	4.4%	75%
	NatWest Term Flexible Offset LTV 75%	Offset	3.75%	term	3.75%	3.9%	75%
	The One Account One Account CAM LTV 75%	Current Account	3.75%	term	3.75%	3.8%	75%
	RBS Flexible Offset Variable LTV 75%	Offset	3.75%	term	3.75%	3.9%	75%
	The One Account One Account CAM LTV 75%	Standard	3.75%	term	3.75%	3.8%	75%
	NatWest Term Flexible Offset LTV 75% Direct	Standard	3.75%	term	3.75%	3.9%	75%
	NatWest 2yr 3.79% Fxd H/P LTV 75% Direct	Fixed Rate	3.79%	30 Nov 2012	4%	4.2%	75%
	Post Office 2yr 3.79% Fixed BBR LTV 80%	Fixed Rate	3.79%	30 Sep 2012	3.49%	3.7%	80%
	Post Office 3yr 3.85% Fixed BBR LTV 75% Incentives	Fixed Rate	3.85%	30 Sep 2013	3.49%	3.7%	75%
	ING Direct 3yr 3.89% Fixed LTV 75%	Fixed Rate	3.89%	30 Nov 2013	3.5%	3.7%	75%
	Santander 2yr 3.90% Fixed H/P C/B LTV 75% Direct	Fixed Rate	3.90%	02 Nov 2012	4.24%	4.3%	75%
	Post Office 2yr 3.94% Fixed BBR LTV 85%	Fixed Rate	3.94%	30 Sep 2012	3.49%	3.7%	85%
	Post Office 3yr 3.95% Fixed BBR LTV 80%	Fixed Rate	3.95%	30 Sep 2013	3.49%	3.8%	80%
	Post Office 2yr 3.99% Fixed BBR LTV 80% Incentives	Fixed Rate	3.99%	30 Sep 2012	3.49%	3.7%	80%
	Post Office Term BBR + 3.49% Tracker LTV 85%	Standard	3.99%	term	4.59%	4.2%	85%
	First Direct 5yr 4.19% Fixed LTV 65% Direct	Fixed Rate	4.19%	60months	3.69%	4%	65%
	Post Office 5yr 4.19% Fixed BBR LTV 75%	Fixed Rate	4.19%	30 Sep 2015	3.49%	4%	75%
	NatWest 2yr 4.29% Fxd LTV 75% Direct Only Shared Equity	Fixed Rate	4.29%	30 Nov 2012	4%	4.2%	75%
	Post Office 5yr 4.35% Fixed BBR LTV 75% Incentives	Fixed Rate	4.35%	30 Sep 2015	3.49%	4%	75%
	NatWest 3yr 4.39% Fxd H/P LTV 75% Direct	Fixed Rate	4.39%	30 Nov 2013	4%	4.3%	75%
	Santander 2yr BBR + 3.94% Tracker H/P LTV 85% Direct	Standard	4.44%	24months	4.24%	4.5%	85%
	Santander 4yr 4.45% Fixed H/P C/B LTV 70%	Fixed Rate	4.45%	02 Nov 2014	4.24%	4.5%	70%
	Post Office 3yr 4.49% Fixed BBR LTV 80% Incentives	Fixed Rate	4.49%	30 Sep 2013	3.49%	3.9%	80%
	Post Office 2yr 4.49% Fixed BBR LTV 85% Incentives	Fixed Rate	4.49%	30 Sep 2012	3.49%	3.8%	85%
	First Direct 5yr 4.69% Fixed LTV 75% Direct	Fixed Rate	4.69%	60months	3.69%	4.2%	75%
	Post Office 3yr 4.69% Fixed BBR LTV 85%	Fixed Rate	4.69%	30 Sep 2013	3.49%	4%	85%
	Post Office 5yr 4.75% Fixed BBR LTV 80%	Fixed Rate	4.75%	30 Sep 2015	3.49%	4.2%	80%
	Santander 4yr 4.75% Fixed H/P C/B LTV 75%	Fixed Rate	4.75%	02 Nov 2014	4.24%	4.6%	75%
	Santander 5yr 4.75% Fixed H/P C/B LTV 70%	Fixed Rate	4.75%	02 Nov 2015	4.24%	4.7%	70%
	Post Office Term BBR + 4.25% Tracker LTV 85% Incentives	Standard	4.75%	term	3.39%	4.9%	85%
	Post Office 5yr 4.78% Fixed BBR LTV 75% Incentives No Fee	Fixed Rate	4.78%	30 Sep 2015	3.49%	4.1%	75%
	ING Direct 5yr 4.79% Fixed LTV 80%	Fixed Rate	4.79%	30 Nov 2015	3.5%	4.2%	80%
	Woolwich Openplan FM 5yr 4.79% Fxd BBR LTV 70%	Fixed Rate	4.79%	30 Nov 2015	2.99%	3.9%	70%
	Post Office 3yr 4.79% Fixed BBR LTV 85% Incentives	Fixed Rate	4.79%	30 Sep 2013	3.49%	4%	85%
	NatWest 2yr BBR + 4.39% BTL LTV 75% Dir AdvPte/Bus Ex/C	Buy To Let	4.89%	30 Nov 2012	4.5%	4.9%	75%
	NatWest 2yr BBR + 4.39% BTL LTV 75% Dir AdvPte/Bus Ex/C	This is a buy to let mortgage. Available for existing customers only. N.B. Such mortgages may not be displayed... more This is a buy to let mortgage. Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	NatWest 2yr BBR + 4.44% BTL LTV 75% Dir Adv/Priv/Bus Ex/C	Buy To Let	4.94%	30 Nov 2012	4.5%	4.9%	75%
	NatWest 2yr BBR + 4.44% BTL LTV 75% Dir Adv/Priv/Bus Ex/C	This is a buy to let mortgage. Available for existing customers only. N.B. Such mortgages may not be displayed... more This is a buy to let mortgage. Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Post Office 5yr 4.95% Fixed BBR LTV 80% Incentives	Fixed Rate	4.95%	30 Sep 2015	3.49%	4.3%	80%
	Santander 2yr 4.95% Fixed H/P C/B LTV 80%	Fixed Rate	4.95%	02 Nov 2012	4.24%	4.6%	80%
	Post Office Term BBR + 4.49% Tracker LTV 90%	Standard	4.99%	term	2.99%	5.2%	90%
	NatWest 2yr BBR + 4.49% Tracker Buy To Let LTV 75% Direct	Buy To Let	4.99%	30 Nov 2012	4.5%	5%	75%
	NatWest 2yr BBR + 4.49% Tracker Buy To Let LTV 75% Direct	This is a buy to let mortgage.
	Santander 4yr 4.99% Fixed H/P C/B LTV 85% Ex/C Direct	Fixed Rate	4.99%	02 Nov 2014	4.24%	4.6%	85%
	Santander 4yr 4.99% Fixed H/P C/B LTV 85% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Santander 5yr 5.15% Fixed H/P C/B LTV 75%	Fixed Rate	5.15%	02 Nov 2015	4.24%	4.8%	75%
	NatWest 2yr 5.19% Fxd H/P LTV 80% Direct	Fixed Rate	5.19%	30 Nov 2012	4%	4.5%	80%
	Post Office 5yr 5.25% Fixed BBR LTV 85%	Fixed Rate	5.25%	30 Sep 2015	3.49%	4.4%	85%
	Woolwich Openplan FM 5yr 5.39% Fxd BBR LTV 80%	Fixed Rate	5.39%	30 Nov 2015	2.99%	4.1%	80%
	Post Office 5yr 5.39% Fixed BBR LTV 80% Incentives No Fee	Fixed Rate	5.39%	30 Sep 2015	3.49%	4.4%	80%
	Post Office 2yr 5.45% Fixed BBR LTV 90%	Fixed Rate	5.45%	30 Sep 2012	3.49%	4%	90%
	Woolwich 3yr 5.49% Fxd Buy to Let BBR LTV 60%	Buy To Let	5.49%	02 Dec 2013	2.99%	3.9%	60%
	Woolwich 3yr 5.49% Fxd Buy to Let BBR LTV 60%	This is a buy to let mortgage.
	NatWest 5yr 5.49% Fxd H/P LTV 75% Direct	Fixed Rate	5.49%	30 Nov 2015	4%	4.9%	75%
	Post Office Term BBR + 4.99% Tracker LTV 90% Incentives	Standard	5.49%	term	5.65%	5.7%	90%
	Post Office 5yr 5.49% Fixed BBR LTV 85% Incentives	Fixed Rate	5.49%	30 Sep 2015	3.49%	4.5%	85%
	Post Office 2yr 5.65% Fixed BBR LTV 90% Incentives	Fixed Rate	5.65%	30 Sep 2012	3.49%	4.1%	90%
	Santander 3yr 5.69% Fixed H/P C/B LTV 85%	Fixed Rate	5.69%	02 Nov 2013	4.24%	4.8%	85%
	First Direct 5yr 5.79% Fixed LTV 85% Direct	Fixed Rate	5.79%	60months	3.69%	4.7%	85%
	Lloyds TSB Term BBR + 5.29% Tracker H/PLTV90%Ex/CDirectNoFee	Standard	5.79%	term	5.79%	6.1%	90%
		Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Post Office 5yr 5.79% Fixed BBR LTV 85% Incentives No Fee	Fixed Rate	5.79%	30 Sep 2015	3.49%	4.6%	85%
	Santander 4yr 5.84% Fixed FTB C/B LTV 85%	Fixed Rate	5.84%	02 Nov 2014	4.24%	4.8%	85%
	Santander 4yr 5.84% Fixed FTB C/B LTV 85%	Available for first time buyers only.
	Santander 3yr 5.99% Fixed FTB LTV 90% Direct	Fixed Rate	5.99%	02 Nov 2013	4.24%	5%	90%
	Santander 3yr 5.99% Fixed FTB LTV 90% Direct	Available for first time buyers only.
	RBS 5yr 5.99% Fxd H/P LTV 80% Direct	Fixed Rate	5.99%	30 Nov 2015	4%	5.1%	80%
	NatWest 5yr 5.99% Fxd H/P LTV 80% Direct	Fixed Rate	5.99%	30 Nov 2015	4%	5%	80%
	Santander 3yr 5.99% Fixed LTV 90% Ex/C Direct	Fixed Rate	5.99%	02 Nov 2013	4.24%	4.8%	90%
	Santander 3yr 5.99% Fixed LTV 90% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Post Office 3yr 5.99% Fixed BBR LTV 90%	Fixed Rate	5.99%	30 Sep 2013	3.49%	4.4%	90%
	Post Office 5yr 5.99% Fixed BBR LTV 90%	Fixed Rate	5.99%	30 Sep 2015	3.49%	4.8%	90%
	Post Office 3yr 6.15% Fixed BBR LTV 90% Incentives	Fixed Rate	6.15%	30 Sep 2013	3.49%	4.4%	90%
	NatWest 2yr 6.19% Fixed Buy To Let LTV 75% Direct	Buy To Let	6.19%	30 Nov 2012	4.5%	4.6%	75%
	NatWest 2yr 6.19% Fixed Buy To Let LTV 75% Direct	This is a buy to let mortgage.
	Post Office 5yr 6.29% Fixed BBR LTV 90% Incentives	Fixed Rate	6.29%	30 Sep 2015	3.49%	4.9%	90%
	Post Office 5yr 6.49% Fixed BBR LTV 90% Incentives No Fee	Fixed Rate	6.49%	30 Sep 2015	3.49%	4.9%	90%
	NatWest 5yr 6.89% Fxd H/P LTV 90% Direct	Fixed Rate	6.89%	30 Nov 2015	4%	5.6%	90%
	NatWest 5yr 6.89% Fxd FTB LTV 75% Direct	Fixed Rate	6.89%	30 Nov 2015	4%	5.4%	75%
	NatWest 5yr 6.89% Fxd FTB LTV 75% Direct	Available for first time buyers only.
	NatWest 5yr 6.89% Fxd FTB LTV 90% Direct Rep Only	Fixed Rate	6.89%	30 Nov 2015	4%	5.2%	90%
	NatWest 5yr 6.89% Fxd FTB LTV 90% Direct Rep Only	Available for first time buyers only.
Full Results
	Cheltenham & Gloucester 2yr Stepped BBR Tracker FTB LTV 90% Direct	Stepped Rate	0.49%	stepped	3.99%	3.7%	90%
		Available for first time buyers only.
	Lloyds TSB 2yr Stepped BBR Track FTB LTV 90% Direct Ex/C	Stepped Rate	0.49%	stepped	3.99%	3.7%	90%
	Lloyds TSB 2yr Stepped BBR Track FTB LTV 90% Direct Ex/C	Available for first time buyers and for existing customers only. N.B. Such mortgages may not be displayed on... more Available for first time buyers and for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Lloyds TSB 2yr Stepped BBR Track FTB LTV 90% Direct	Stepped Rate	0.69%	stepped	2.5%	2.4%	90%
	Lloyds TSB 2yr Stepped BBR Track FTB LTV 90% Direct	Available for first time buyers only.
	Lloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C Direct	Standard	1.99%	30 Nov 2012	3.99%	4%	75%
	Lloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Lloyds TSB 2yr BBR + 1.49% Tracker R/M LTV 75% Ex/C Direct	Standard	1.99%	30 Nov 2012	3.99%	4%	75%
	Lloyds TSB 2yr BBR + 1.49% Tracker R/M LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available... more Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Lloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C Direct	Standard	1.99%	30 Nov 2012	3.99%	4%	75%
	Lloyds TSB 2yr BBR + 1.49% Tracker H/P LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Cheltenham & Gloucester 2yr BBR + 1.49% Tracker H/P LTV 75% <£250K Direct	Standard	1.99%	30 Nov 2012	3.99%	3.9%	75%
	Chorley & District Building Society 3yr Stepped Discount LTV 75%	Stepped Rate	2.00%	stepped	5.49%	5.2%	75%
	NatWest 2yr BBR + 1.69% H/P LTV 60% Direct	Standard	2.19%	30 Nov 2012	4%	4%	60%
	RBS 2yr BBR + 1.69% Tracker H/P LTV 60%	Standard	2.19%	30 Nov 2012	4%	4%	60%
	HSBC 2yr 1.75% Disc LTV 70% Special Direct	Discounted	2.19%	24months	3.94%	3.8%	70%
	Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Direct	Standard	2.19%	30 Nov 2012	3.99%	4.1%	75%
	Lloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% Direct	Standard	2.19%	30 Nov 2012	3.99%	4.1%	75%
	Lloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% Direct	Available for remortgage only.
	Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C Direct	Standard	2.19%	30 Nov 2012	3.99%	4.1%	75%
	Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C Direct	Standard	2.19%	30 Nov 2012	3.99%	4.1%	75%
	Lloyds TSB 2yr BBR + 1.69% Tracker H/P LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Lloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% Ex/C Direct	Standard	2.19%	30 Nov 2012	3.99%	4.1%	75%
	Lloyds TSB 2yr BBR + 1.69% Tracker R/M LTV 75% Ex/C Direct	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available... more Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Cheltenham & Gloucester 2yr BBR + 1.69% Tracker H/P LTV 75% <£250K Direct	Standard	2.19%	30 Nov 2012	3.99%	4%	75%
	HSBC Term BBR + 1.69% LTV 60% Special Direct	Standard	2.19%	term	2.19%	2.2%	60%
	First Direct 2yr BBR + 1.69% LTV 65% Direct	Standard	2.19%	24months	3.69%	3.5%	65%
	Principality Building Society 2yr 2.24% Fixed LTV 75% Direct	Fixed Rate	2.24%	30 Sep 2012	4.99%	5.1%	75%
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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

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	Tracker		Remortgages
	Fixed Rate		First Time Buyer
	Interest Only		Buy To Let
	Offset