Mortgage

First-Time Buyers

Chat to our friendly team to understand how much you can borrow and get free, no-obligation advice on buying your first home.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

First-Time Buyers

Buying your first home can be easy when you’ve got us on your side. We're here to make owning your own home a reality.

Fixed Rate Mortgages

(F489) 4.54% fixed to 30.09.2028

Initial rate

4.54%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.1% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

£999

Early repayment charge

Yes

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(F475) 4.59% fixed to 31.08.2027

Initial rate

4.59%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

£999

Early repayment charge

Yes

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(F492) 4.59% fixed to 30.09.2030

Initial rate

4.59%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

6.6% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

£999

Early repayment charge

Yes

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(F493) 4.69% fixed to 30.09.2030

Initial rate

4.69%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

6.6% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

No fee

Early repayment charge

Yes

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(F490) 4.79% fixed to 30.09.2028

Initial rate

4.79%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.1% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Arrangement Fee

No fee

Early repayment charge

Yes

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(F494) 5.09% fixed to 30.09.2030

Initial rate

5.09%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.0% APRC

Maximum loan to value (LTV)

90%

Incentives

Yes

Arrangement Fee

No fee

Early repayment charge

Yes

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(F491) 5.19% fixed to 30.09.2028

Initial rate

5.19%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

90%

Incentives

Yes

Arrangement Fee

No fee

Early repayment charge

Yes

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(F495) 5.39% fixed to 30.09.2030

Initial rate

5.39%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.0% APRC

Maximum loan to value (LTV)

95%

Incentives

Yes

Arrangement Fee

No fee

Early repayment charge

Yes

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Discount Mortgages

(D167) 3 Year 2.75% Discount

Initial rate

5.10%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

£999

Early repayment charge

Yes

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(D166) 3 Year 2.70% Discount

Initial rate

5.15%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Arrangement Fee

£499

Early repayment charge

Yes

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(D162) 2 Year 2.70% Discount

Initial rate

5.15%

Subsequent Rate (SVR)

7.85%

Overall cost for comparison

7.6% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Arrangement Fee

£499

Early repayment charge

Yes

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(DH02) 2.70% Lifetime Discount Head Start

Initial rate

5.15%

Subsequent Rate (SVR)

N/A

Overall cost for comparison

5.3% APRC

Maximum loan to value (LTV)

100%

Incentives

None

Arrangement Fee

No fee

Early repayment charge

Yes

View
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APPLY IN BRANCH

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0161 429 4318

Mon-Fri

08:45-17:00

Mortgages are secured on your home. You could lose your home if you do not keep up repayments on your mortgage.