Our members can now manage their accounts and balances wherever they are with our new myaccounts mobile app!
Our range of mortgages include products specifically designed to help first time buyers, including Shared Ownership mortgages.
Our 5% deposit mortgages are available on Shared Ownership mortgages only, these are not part of the Government’s mortgage guarantee scheme.
Efficient and smooth experience. As a first time buyer I had a lot of anxiety about this process but Newbury were really quick and efficient at responding and communicating which I really appreciated.
We have products with a minimum 5% deposit on Shared Ownership mortgages
We accept gifted deposits for first time buyers
We guarantee that you will always be able to speak to a person, not a computer, in a free, no obligation meeting to discuss your needs
We can arrange a telephone or video appointment to suit you
We will consider your previous and current circumstances
For further information on mortgage appointments see our making a mortgage appointment page for further details.
Appointments can be made during branch operating hours including Saturday mornings with our qualified mortgage advisers and can be undertaken by telephone, videocall or in one of our branches.
Appointments are available by video call, phone and in branch.
Book nowFriends and family who have existing mortgages with us can refer you and share £300!
Find out more!This guide takes you through the process of buying your first home, including saving for your deposit and applying for a mortgage.
Read nowOur mortgage glossary offers clear definitions of the language used in the mortgage process, explaining key words and phrases.
View nowGet a good idea of how much we may be able to lend you in a few minutes. You'll need to know your regular income and expenditures.
Visit nowHelping you to own your home. Find out more about Government schemes like Shared Ownership and the First Homes Scheme.
Find out moreProduct | Initial rate | APRC | Mortgage fees | Max LTV | Features |
---|---|---|---|---|---|
3 year discount 75% LTV | 4.99%discounted | 6.4% | £850 Purchase £850 Remortgage | 75% | |
3 year discount 85% LTV | 5.79%discounted | 6.7% | £850 Purchase £850 Remortgage | 85% | |
3 year discount 90% LTV | 5.99%discounted | 6.8% | £850 Purchase £850 Remortgage | 90% | |
Existing Borrower Shared Ownership fixed rate until 29 May 2027 85% LTV | 5.19%fixed | 6.8% | £0 None None None | 85% | |
Existing Borrower Shared Ownership fixed rate until 29 May 2027 95% LTV | 5.49%fixed | 6.8% | £0 None None None | 95% | |
Existing Borrower Transfer Help to Buy fixed rate until 29 May 2027 75% LTV | 4.79%fixed | 6.2% | £0 Purchase None None | 75% | |
First Homes 3 year discount 65% LTV | 4.99%discounted | 6.4% | £850 Purchase £850 Remortgage | 65% | |
First Homes Fixed rate until 29 May 2027 65% LTV | 4.89%fixed | 6.3% | £850 Purchase and Remortgage None None | 65% | |
Fixed rate until 29 June 2029 75% LTV | 4.69%fixed | 5.6% | £850 Purchase and Remortgage None None | 75% | |
Fixed rate until 29 May 2027 75% LTV | 4.89%fixed | 6.3% | £850 Purchase and Remortgage None None | 75% | |
Fixed rate until 29 May 2027 85% LTV | 5.29%fixed | 6.5% | £850 Purchase and Remortgage None None | 85% | |
Fixed rate until 29 May 2027 90% LTV | 5.49%fixed | 6.6% | £850 Purchase and Remortgage None None | 90% | |
Help to Buy 3 year discount 75% LTV | 4.99%discounted | 6.4% | £850 Remortgage None None | 75% | |
Help to Buy fixed rate until 29 May 2027 75% LTV | 4.89%fixed | 6.3% | £850 Remortgage None None | 75% | |
Made to measure 3 year discount 75% LTV | 5.49%discounted | 6.6% | £850 Purchase £850 Remortgage | 75% | |
Made to measure fixed rate until 29 May 2027 75% LTV | 5.29%fixed | 6.5% | £850 Purchase and Remortgage None None | 75% | |
Shared Ownership 3 year discount 95% LTV | 5.44%discounted | 6.8% | £0 None None None | 95% | |
Shared Ownership fixed rate until 29 July 2026 85% LTV | 5.29%fixed | 6.9% | £0 None None None | 85% | |
Shared Ownership fixed rate until 29 July 2026 95% LTV | 5.59%fixed | 7.0% | £0 None None None | 95% | |
Shared Ownership fixed rate until 29 May 2027 85% LTV | 5.29%fixed | 6.8% | £0 None None None | 85% | |
Shared Ownership fixed rate until 29 May 2027 95% LTV | 5.59%fixed | 6.9% | £0 None None None | 95% | |
Shared Ownership fixed rate until 29 May 2029 95% LTV | 4.99%fixed | 6.5% | £0 None None None | 95% |
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