First-time home buyers 

"Good communication, they worked really well with my mortgage advisor, so direct contact was minimal. Provided all documents in a timely manner, with great explanations as I was a first time buyer."

Customer review, Smart Money People, October 2024.

Buying a home is the single biggest purchase most people will ever make, so it’s important to get it right.

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.

All the people I dealt with sorting out my 1st ever mortgage were very helpful especially Lauren who I dealt with the most. Very quick at replying to messages and one of the easiest companies I've dealt with in a while to get through to on the phone. Good mortgage rate too.

Smart Money People review, December 2024

Why choose us?

  • 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   

Make an appointment with a qualified mortgage adviser

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. 

Book a mortgage appointment online now

Appointments are available by video call, phone and in branch.

Book now
Tell a Friend about our mortgages

Friends and family who have existing mortgages with us can refer you and share £300!

Find out more!
First time buyers guide

This guide takes you through the process of buying your first home, including saving for your deposit and applying for a mortgage.

Read now
Mortgage glossary

Our mortgage glossary offers clear definitions of the language used in the mortgage process, explaining key words and phrases.

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How much can I borrow?

Get 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. 

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Mortgage schemes

Helping you to own your home. Find out more about Government schemes like Shared Ownership and the First Homes Scheme.

Find out more

First time buyer mortgages

Product Initial rate APRC Mortgage fees Max LTV Features
3 year discount 75% LTV 4.49%discounted 5.8% £425 Purchase £425 Remortgage 75%
3 year discount 85% LTV 5.19%discounted 6.2% £850 Purchase £850 Remortgage 85%
3 year discount 90% LTV 5.39%discounted 6.2% £850 Purchase £850 Remortgage 90%
Existing Borrower Shared Ownership fixed rate until 29 March 2028 85% LTV 4.89%fixed 6.4% £0 Purchase N/A Remortgage 85%
Existing Borrower Shared Ownership fixed rate until 29 March 2028 95% LTV 5.19%fixed 6.4% £0 Purchase N/A Remortgage 95%
Existing Borrower Transfer Help to Buy fixed rate until 27 February 2028 75% LTV 4.54%fixed 5.9% N/A Purchase N/A Remortgage 75%
First Homes 3 year discount 65% LTV 4.49%discounted 5.8% £425 Purchase £425 Remortgage 65%
First Homes Fixed rate until 27 February 2028 65% LTV 4.64%fixed 5.9% £850 Purchase £850 Remortgage 65%
Fixed rate until 27 February 2028 75% LTV 4.64%fixed 5.9% £850 Purchase £850 Remortgage 75%
Fixed rate until 27 February 2028 85% LTV 5.29%fixed 6.2% £850 Purchase £850 Remortgage 85%
Fixed rate until 27 February 2028 90% LTV 5.49%fixed 6.3% £850 Purchase £850 Remortgage 90%
Fixed rate until 27 February 2030 75% LTV 4.39%fixed 5.3% £850 Purchase £850 Remortgage 75%
Fixed rate until 29 April 2027 75% LTV 4.69%fixed 6.2% £850 Purchase £850 Remortgage 75%
Help to Buy 3 year discount 75% LTV 4.49%discounted 5.8% £425 Remortgage N/A Purchase 75%
Help to Buy fixed rate until 27 February 2028 75% LTV 4.64%fixed 5.9% £850 Remortgage N/A Purchase 75%
Made to measure 3 year discount 75% LTV 4.99%discounted 6.1% £850 Purchase £850 Remortgage 75%
Made to measure fixed rate until 27 February 2028 75% LTV 5.19%fixed 6.2% £850 Purchase £850 Remortgage 75%
Shared Ownership 3 year discount 95% LTV 4.85%discounted 6.4% £0 Purchase £0 Remortgage 95%
Shared Ownership fixed rate until 29 March 2028 85% LTV 4.99%fixed 6.4% £0 Purchase £0 Remortgage 85%
Shared Ownership fixed rate until 29 March 2028 95% LTV 5.29%fixed 6.5% £0 Purchase £0 Remortgage 95%
Shared Ownership fixed rate until 29 March 2030 95% LTV 4.99%fixed 6.2% £0 Purchase £0 Remortgage 95%
Shared Ownership fixed rate until 29 May 2027 85% LTV 4.99%fixed 6.5% £0 Purchase £0 Remortgage 85%
Shared Ownership fixed rate until 29 May 2027 95% LTV 5.19%fixed 6.6% £0 Purchase £0 Remortgage 95%

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How can we help you?

01635 555700

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