First Time Buyer Mortgages

Your journey towards owning your first home starts here. Buy your home with as little as a 5% deposit.

The first time buyer mortgages we offer:

  Initial rate Until Then standard variable rate Overall cost for comparison (APRC) Product Fee Cashback  
90% LTV Fixed Rate Mortgage 5.67% 31/08/2026 7.60% 7.4% £895 There is no Cashback facility with this product. More details
90% LTV Fixed Rate Mortgage 5.90% 31/08/2026 7.60% 7.4% £0 There is no Cashback facility with this product. More details
90% LTV Fixed Rate Mortgage 5.50% 31/08/2027 7.60% 7.1% £0 There is no Cashback facility with this product. More details
90% LTV Fixed Rate Mortgage 5.23% 31/08/2029 7.60% 6.8% £1,395 There is no Cashback facility with this product. More details
90% LTV Fixed Rate Mortgage 5.40% 31/08/2029 7.60% 6.8% £0 There is no Cashback facility with this product. More details
90% LTV Fixed Rate JBSP Mortgage 5.85% 31/08/2026 7.60% 7.4% £0 There is no Cashback facility with this product. More details
90% LTV Fixed Rate JBSP Mortgage 5.40% 31/08/2029 7.60% 6.8% £0 There is no Cashback facility with this product. More details
90% LTV Fixed Rate Mortgage - Cashback 5.97% 31/08/2026 7.60% 7.4% £0 There is a £500 cashback facility with this product. More details
90% LTV Fixed Rate Mortgage - Cashback 5.47% 31/08/2029 7.60% 6.8% £0 There is a £500 cashback facility with this product. More details
First Time Buyer 95% LTV Fixed Rate Mortgage 5.92% 31/08/2029 7.60% 6.9% £0 There is no Cashback facility with this product. More details

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


Not ready to apply yet? Explore the other help we offer first time buyers.




  • 6th largest UK building society
  • A mutual building society, owned by and run for the benefit of our 500,000 members
  • Over 160 years' experience
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