The use of cookies

By navigating through this site, you consent to us collecting information using cookies. At any time, you can set your browser to notify you when a cookie is sent or to refuse cookies altogether, but certain features of this site might not work without cookies.

To find out more about cookies see our policy on Privacy and Cookies

Mutual Respect

From your local mortgage and savings experts

Request A Call Back

First Time Buyers

We provide all sorts of mortgages

First Time Buyers

Want to buy your first home? If you’re a first time buyer, we’d love to help. Our range of mortgages includes products specifically designed to help first time buyers. Let us help you buy your first home.

First Time Buyers

Shared Ownership

Product Initial Interest
Rate
Period Max
LTV
Fees
Shared Ownership 3 Year Discount with 25% deposit 2.69% Variable (Our SVR with a 1.51% discount) 3 Years 75% Purchase: £600

A mortgage of £50,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.51% for 36 months giving a current rate payable of 2.69% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £183.88 and 384 monthly payments of £224.20 plus one initial interest payment of £11.05.

The total amount payable would be £93,438.53 made up of the loan amount plus interest of £42,723.53, an application fee of £600 and a MEAF of £115.


The overall cost for comparison is 4.1% APRC representative.

Shared Ownership 3 Year Discount with 10% deposit 3.14% Variable (Our SVR with a 1.06% discount) 3 Years 90%
No upfront fees

A mortgage of £95,400 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 1.06% for 36 months giving a current rate payable of 3.14% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £409.45 and 324 monthly payments of £461.64 plus one initial interest payment of £139.52.

The total amount payable would be £164,566.08 made up of the loan amount plus interest of £69,051.08 and a MEAF of £115.

The overall cost for comparison is 4% APRC representative.

Shared Ownership 3 Year Discount with 5% deposit 3.34% Variable (Our SVR with a 0.86% discount) 3 Years 95%
No upfront fees

A mortgage of £90,000 payable over 25 years initially on our standard variable rate, currently 4.2% with a discount of 0.86% for 36 months giving a current rate payable of 3.34% and then on our standard variable rate, currently 4.2% for the remaining 22 years would require 36 monthly payments of £442.88 and 264 monthly payments of £480.62 plus one initial interest payment of £172.95.

The total amount payable would be £143,115.31 made up of the loan amount plus interest of £53,000.31 and a MEAF of £115.

The overall cost for comparison is 4.1% APRC representative.

Home Starter for first time buyers 3% Variable (Our SVR with a 1.20% discount) 3 Years 90% Purchase: £600

A mortgage of £122,548.36 payable over 22 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 19 years would require 36 monthly payments of £306.37 and 228 monthly payments of £781.07 plus one initial interest payment of £141.01.

The total amount payable would be £189,969.29 made up of the loan amount plus interest of £66,705.93, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4% APRC representative.

Home Starter for first time buyers 3.74% Variable (Our SVR with a 0.46% discount) 3 Years 95% Purchase: £600

A mortgage of £226,100 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £704.68 and 384 monthly payments of £1,071.44 plus one initial interest payment of £185.34.

The total amount payable would be £437,701.78 made up of the loan amount plus interest of £210,886.78, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4.2% APRC representative.

Shared Ownership fixed rate until 27 May 2020 - 90% LTV 4.29% Fixed Fixed until 27/5/2020 90% No Fees

A mortgage of £56,700 payable over 32 years initially on a fixed rate for 3 years and 1 month at 4.29% and then on our standard variable rate, currently 4.2% for the remaining 28 years and 11 months would require 37 monthly payments of £271.73 and 347 monthly payments of £268.91 plus one initial interest payment of £146.61.

The total amount payable would be £103,627.39 made up of the loan amount plus interest of £46,812.39 and a MEAF of £115.

The overall cost for comparison is 4.3% APRC representative.

Shared Ownership fixed rate until 27 May 2022 - 95% LTV 4.89% Fixed Fixed until 27/5/2022 95% No Fees

A mortgage of £84,787 payable over 27 years initially on a fixed rate for 4 years and 5 months at 4.89% and then on our standard variable rate, currently 4.2% for the remaining 22 years and 7 months would require 53 monthly payments of £471.86 and 271 monthly payments of £442.22 plus one initial interest payment of £56.80.

The total amount payable would be £145,022.00 made up of the loan amount plus interest of £60,120 and a MEAF of £115.

The overall cost for comparison is 4.5% APRC representative.


Help To Buy

Product Initial Interest
Rate
Period Max
LTV
Fees
Help to Buy 3 Year Discount up to 75% 1.94% Variable (Our SVR with a 2.26% discount) 3 Years 75% Purchase: £600
Remortgage: £850
Valuation fee applies for properties valued at over £1m.

A mortgage of £253,496 payable over 29 years initially on our standard variable rate, currently 4.2% with a discount of 2.26% for 36 months giving a current rate payable of 1.94% and then on our standard variable rate, currently 4.2% for the remaining 26 years would require 36 monthly payments of £954.91 and 312 monthly payments of £1,232.92 plus one initial interest payment of £148.50.

The total amount payable would be £419,311.30 made up of the loan amount plus interest of £165,200.30, an application fee of £500 and a MEAF of £115.

The overall cost for comparison is 3.8% APRC representative.

Help to Buy fixed rate until 27 May 2020 - 75% LTV 2.59% Fixed Fixed until 27/5/2020 75% Purchase: £300
Remortgage: £550
Booking Fee: £300

A mortgage of £409,000 payable over 24 years initially on a fixed rate for 2 years and 5 months at 2.59% and then on our standard variable rate, currently 4.2% for the remaining 21 years and 7 months would require 29 monthly payments of £1,908.44 and 259 monthly payments of £2,223.94 plus one initial interest payment of £435.33.

The total amount payable would be £632,495.55 made up of the loan amount plus interest of £222,780.55, an application fee of £300, a booking fee of £300 and a MEAF of £115.

The overall cost for comparison is 3.9% APRC representative.

Help to Buy fixed rate until 27 May 2022 - 75% LTV 3.19% Fixed Fixed until 27/5/2022 75% Purchase: £300
Remortgage: £550
Booking Fee: £300

A mortgage of £100,000 payable over 30 years initially on a fixed rate for 5 years at 3.19% and then on our standard variable rate, currently 4.2% for the remaining 25 years would require 60 monthly payments of £431.92 and 300 monthly payments of £480.80 plus one initial interest payment of £227.23.

The total amount payable would be £171,097.43 made up of the loan amount plus interest of £70,382.43 an application fee of £300, a booking fee of £300 and a MEAF of £115.


The overall cost for comparison is 4.0% APRC representative.


Shared Equity

Product Initial Interest
Rate
Period Max
LTV
Fees
Shared Equity 3 Year Variable 2.54% Variable (Our SVR with a 1.66% discount) 3 Years 75% Purchase: £600
Valuation fee applies

A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 36 monthly payments of £559.24 then 384 monthly payments of £696.14 plus one initial interest payment of £162.32.

The total amount payable would be £288,327.72 made up of the loan amount plus interest of £132,112.72, an application fee of £600, a valuation fee of £250 and a MEAF of £115.

The overall cost for comparison is 4.3% APRC representative.

Shared Equity Variable 4.2% Variable (Our SVR) Term 75% Purchase: £600
Valuation fee applies

A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 420 monthly payments of £707.29 plus one initial interest payment of £268.40.

The total amount payable would be £298,045.20 made up of the loan amount plus interest of £141,830.20, an application fee of £600, a valuation fee of £250 and a MEAF of £115.

The overall cost for comparison is 4.3% APRC representative.


Standard

Product Initial Interest
Rate
Period Max
LTV
Fees
3 Year Discount 1.94% Variable (Our SVR with a 2.26% discount) 3 Years 75% Purchase: £600
Remortgage: £850
Valuation fee applies for properties valued at over £1m.

A mortgage of £180,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 2.26% for 36 months giving a current rate payable of 1.94% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £592.71 and 384 monthly payments of £803.04 plus one initial interest payment of £67.19.

The total amount payable would be £329,887.11 made up of the loan amount plus interest of £149,172.11, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 3.8% APRC representative.

3 Year Discount 2.74% Variable (Our SVR with a 1.46% discount) 3 Years 85% Purchase: £600
Remortgage: £850
Valuation fee applies for properties valued at over £1m.

A mortgage of £255,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £944.74 and 384 monthly payments of £1,144.01 plus one initial interest payment of £325.42.

The total amount payable would be £474,350.90 made up of the loan amount plus interest of £218,635.90, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4% APRC representative.

3 year Discount 3% Variable (Our SVR with a 1.20% discount) 3 Years 90% Purchase: £600
Remortgage: £850

A mortgage of £192,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £741.22 and 384 monthly payments of £866.39 plus one initial interest payment of £15.83.

The total amount payable would be £359,508.51 made up of the loan amount plus interest of £166,793.51, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4.1% APRC representative.

3 Year Discount 3.74% Variable (Our SVR with a 0.46% discount) 3 Years 95% Purchase: £600

A mortgage of £299,250 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £1,384.18 and 324 monthly payments of £1,456.97 plus one initial interest payment of £122.65.

The total amount payable would be £522,726.41 made up of the loan amount plus interest of £222,761.41 an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4.2% APRC representative.

Fixed rate until 27 May 2020 - 75% LTV 2.59% Fixed Fixed until 27/5/2020 75% Purchase: £300
Remortgage: £550
Booking fee: £300

A mortgage of £50,000 payable over 10 years initially on a fixed rate for 3 years and 1 month at 2.59% and then on our standard variable rate, currently 4.2% for the remaining 6 years and 11 months would require 37 monthly payments of £476.24 and 83 monthly payments of £502.67 plus one initial interest payment of £35.69.

The total amount payable would be £59,793.18 made up of the loan amount plus interest of £9,078.18 a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 3.7% APRC representative.

Fixed rate until 27 May 2020 - 90% LTV 3.75% Fixed Fixed until 27/5/2020 90% Purchase: £300
Remortgage: £550
Booking fee: £300

A mortgage of £180,000 payable over 35 years initially on a fixed rate for 3 years at 3.75% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £770.23 and 384 monthly payments of £815.63 plus one initial interest payment of £462.33.

The total amount payable would be £342,152.93 made up of the loan amount plus interest of £161,437.93, a booking fee of £300, an application fee of £300 and a MEAF of £115.


The overall cost for comparison is 4.2% APRC representative.

Fixed rate until 27 May 2020 - 95% LTV 4.45% Fixed Fixed until 27/5/2020 95% Purchase: £300
Booking fee: £300

A mortgage of £180,500 payable over 35 years initially on a fixed rate for 2 years and 11 months at 4.45% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 1 month would require 35 monthly payments of £848.65 and 385 monthly payments of £822.64 plus one initial interest payment of £110.03.

The total amount payable would be £347,244.18 made up of the loan amount plus interest of £166,029.18, a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 4.4% APRC representative.

Fixed rate until 27 May 2022 - 75% LTV 3.19% Fixed Fixed until 27/5/2022 75% Purchase: £300
Remortgage: £550
Booking fee: £300

A mortgage of £223,250 payable over 25 years initially on a fixed rate for 4 years and 11 months at 3.19% and then on our standard variable rate, currently 4.2% for the remaining 20 years and 1 month would require 59 monthly payments of £1,082.32 and 241 monthly payments of £1183.25 plus one initial interest payment of £19.54.

The total amount payable would be £349,454.67 made up of the loan amount plus interest of £125,489.67, a booking fee of £300, an application fee of £300 and a MEAF of £115.

 

The overall cost for comparison is 3.9% APRC representative.

Home Starter fixed rate until 27 May 2020 - 95% LTV 4.45% Fixed Fixed until 27/5/2020 95% Purchase: £300
Booking fee: £300

A mortgage of £180,500 payable over 35 years initially on a fixed rate for 2 years and 11 months at 4.45% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 1 month would require 35 monthly payments of £669.35 and 385 monthly payments of £854.30 plus one initial interest payment of £110.03.

The total amount payable would be £353,157.78 made up of the loan amount plus interest of £171,942.78 a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 4.4% APRC representative.

Home Starter fixed rate until 27 May 2020 - 90% LTV 3.75% Fixed Fixed until 27/5/2020 90% Purchase: £300
Booking fee: £300

A mortgage of £156,000 payable over 35 years initially on a fixed rate for 2 years and 10 months at 3.75% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 2 months would require 34 monthly payments of £488.44 and 386 monthly payments of £738.85 plus one initial interest payment of £144.52.

The total amount payable would be £302,362.58 made up of the loan amount plus interest of £145,647.58 and a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 4.2% APRC representative.


Discount Market Sale Scheme

Product Initial Interest
Rate
Period Max
LTV
Fees
Discount Market Sale 3 Year Discount 80% 2.54% Variable (Our SVR with a 1.66% discount) 3 Years 80% Purchase: £600
Valuation fee applies

A mortgage of £204,000 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £810.30 and 324 monthly payments of £980.64 plus one initial interest payment of £212.94.

The total amount payable would be £348,101.10 made up of the loan amount plus interest of £143,111.10, an application fee of £600, a valuation fee of £275 and a MEAF of £115.

The overall cost for comparison is 3.9% APRC representative.

Discount Market Sale 3 Year Discount 90% 2.74% Variable (Our SVR with a 1.46% discount) 3 Years 90% Purchase: £600
Valuation fee applies

A mortgage of £285,000 payable over 27 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 24 years would require 36 monthly payments of £1,245.72 and 288 monthly payments of £1,449.32 plus one initial interest payment of £235.34.

The total amount payable would be £463,550.42 made up of the loan amount plus interest of £177,485.42, an application fee of £600, a valuation fee of £350 and a MEAF of £115.

The overall cost for comparison is 3.9% APRC representative.


Mortgage Literature

Moving home

Remortgaging

Buy to let

View all mortgages

© Newbury Building Society

Tech Help  |  Accessibility  |  Contact Us  |  Connect  |  Site Terms  |  Site Map  |  Privacy

Newbury Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number 206077). Registered office: Newbury Building Society, 17 Bartholomew Street, Newbury, Berkshire, RG14 5LY.

English law applies and we will communicate with you in English. We are participants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that we cannot resolve can be referred to the Financial Ombudsman Service.

You can check the Financial Services register on the FCA's website.

Close

Request a Call Back

Swoosh

Speak to one of our expert advisers on
01635 555777  or request a call back:

Name:
Phone:
Email:
Reason for Call Back: Savings   Mortgages   Insurance   Other
Local Branch:
Preferred Day to Call:
Preferred Time of Day:
On Saturdays we are only able to call in the morning due to branch opening times.

We will only use these details for the reasons requested.
 
Are you human? Please enter the text below into the box
captcha image
Click here to get a new image
Call Back
Close

Request a Call Back

Swoosh

Speak to one of our expert advisers on
01635 555777  or request a call back:

Name:
Phone:
Email:
Reason for Call Back: Existing Mortgage   New Mortgage  
Local Branch:
Preferred Day to Call:
Preferred Time of Day:
On Saturdays we are only able to call in the morning due to branch opening times.

We will only use these details for the reasons requested.
 
Are you human? Please enter the text below into the box
captcha image
Click here to get a new image
Call Back