First Time Buyer Mortgages

  • First time buyer mortgages are designed specifically for those taking their daunting first step onto the property ladder.
  • You can compare the latest interest rates on first time buyer mortgages in the table below

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Lines are open: Mon-Fri 8am-8pm, Sat-Sun 9am-4pm. Excluding public holidays. Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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The following results are based on a loan to value (LTV) of 90%
  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £952.58
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      1.99% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £952.58 x 28
    • Ongoing Monthly Payments:
      £1,131.89 x 272
    • Total Amount Payable:
      £336,242.30
    • Total Interest Payable:
      £109,546.30
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 28 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £952.58 and 272 monthly payments of £1,131.89. The total amount payable would be £335,792.30 made up of the loan amount plus interest £109,546.30 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 30/06/2019
  • APRC
    3.40%
  • Monthly Payment
    £952.58
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      1.99% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £952.58 x 28
    • Ongoing Monthly Payments:
      £1,131.89 x 272
    • Total Amount Payable:
      £335,992.30
    • Total Interest Payable:
      £109,546.30
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 28 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £952.58 and 272 monthly payments of £1,131.89. The total amount payable would be £335,542.30 made up of the loan amount plus interest £109,546.30 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 30/06/2019
  • APRC
    3.40%
  • Monthly Payment
    £952.58
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      1.99% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £952.58 x 28
    • Ongoing Monthly Payments:
      £1,131.89 x 272
    • Total Amount Payable:
      £335,992.30
    • Total Interest Payable:
      £109,546.30
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 28 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £952.58 and 272 monthly payments of £1,131.89. The total amount payable would be £335,542.30 made up of the loan amount plus interest £109,546.30 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    2.09%
    Fixed to 30/04/2019
  • APRC
    4.30%
  • Monthly Payment
    £963.56
  • ERC
    Yes
  • Fees
    £1,399
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £150,000
    • Max Loan:
      £750,000
    • Product Description:
      2.09% Fixed to 30/04/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £963.56 x 26
    • Ongoing Monthly Payments:
      £1,250.08 x 274
    • Total Amount Payable:
      £369,668.50
    • Total Interest Payable:
      £142,574.50
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.09% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £963.56 and 274 monthly payments of £1,250.08. The total amount payable would be £369,218.50 made up of the loan amount plus interest £142,574.50 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.30% APRC representative.

  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    2.09%
    Fixed to 30/04/2019
  • APRC
    4.30%
  • Monthly Payment
    £963.56
  • ERC
    Yes
  • Fees
    £1,399
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £150,000
    • Max Loan:
      £750,000
    • Product Description:
      2.09% Fixed to 30/04/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £963.56 x 26
    • Ongoing Monthly Payments:
      £1,250.08 x 274
    • Total Amount Payable:
      £369,668.50
    • Total Interest Payable:
      £142,574.50
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.09% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £963.56 and 274 monthly payments of £1,250.08. The total amount payable would be £369,218.50 made up of the loan amount plus interest £142,574.50 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.30% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    2.24%
    Fixed to 01/05/2019
  • APRC
    4.10%
  • Monthly Payment
    £980.18
  • ERC
    Yes
  • Fees
    £1,209
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.24% Fixed to 01/05/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £980.18 x 27
    • Ongoing Monthly Payments:
      £1,232.08 x 57
    • Total Amount Payable:
      £358,921.50
    • Total Interest Payable:
      £132,662.50
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/5/19: 2.5% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.24% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £980.18 and 57 monthly payments of £1,232.08. The total amount payable would be £358,971.50 made up of the loan amount plus interest £132,662.50 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.10% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    2.29%
    Variable for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £985.76
  • ERC
    No
  • Fees
    £999
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      2.29% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £985.76 x 24
    • Ongoing Monthly Payments:
      £1,142.88 x 276
    • Total Amount Payable:
      £340,092.10
    • Total Interest Payable:
      £114,093.10
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a tracker rate for 24 months at 2.29% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £985.76 and 276 monthly payments of £1,142.88. The total amount payable would be £340,142.10 made up of the loan amount plus interest £114,093.10 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    2.32%
    Fixed to 30/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £989.11
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info
    Call Direct 0808 178 6691
    Call: 0808 178 6691 + Product Details
  • Call Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Click here to find out more
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      2.32% Fixed to 30/04/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £989.11 x 26
    • Ongoing Monthly Payments:
      £1,198.99 x 274
    • Total Amount Payable:
      £354,935.10
    • Total Interest Payable:
      £129,240.10
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 3/2% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.32% and then reverting to our variable rate of 4.24% tracker for remaining term. 26 monthly payments of £989.11 and 274 monthly payments of £1,198.99. The total amount payable would be £354,485.10 made up of the loan amount plus interest £129,240.10 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/04/2019
  • APRC
    4.40%
  • Monthly Payment
    £996.97
  • ERC
    Yes
  • Fees
    £1,399
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      2.39% Fixed to 30/04/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £996.97 x 26
    • Ongoing Monthly Payments:
      £1,253.42 x 274
    • Total Amount Payable:
      £371,452.30
    • Total Interest Payable:
      £144,358.30
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.39% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £996.97 and 274 monthly payments of £1,253.42. The total amount payable would be £371,002.30 made up of the loan amount plus interest £144,358.30 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £996.97
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.39% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £996.97 x 40
    • Ongoing Monthly Payments:
      £1,130.54 x 260
    • Total Amount Payable:
      £335,515.20
    • Total Interest Payable:
      £108,819.20
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 40 months at 2.39% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £996.97 and 260 monthly payments of £1,130.54. The total amount payable would be £335,065.20 made up of the loan amount plus interest £108,819.20 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £996.97
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.39% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £996.97 x 40
    • Ongoing Monthly Payments:
      £1,130.54 x 260
    • Total Amount Payable:
      £335,265.20
    • Total Interest Payable:
      £108,819.20
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 40 months at 2.39% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £996.97 and 260 monthly payments of £1,130.54. The total amount payable would be £334,815.20 made up of the loan amount plus interest £108,819.20 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £996.97
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.39% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £996.97 x 40
    • Ongoing Monthly Payments:
      £1,130.54 x 260
    • Total Amount Payable:
      £335,265.20
    • Total Interest Payable:
      £108,819.20
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 40 months at 2.39% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £996.97 and 260 monthly payments of £1,130.54. The total amount payable would be £334,815.20 made up of the loan amount plus interest £108,819.20 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £996.97
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      2.39% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £996.97 x 24
    • Ongoing Monthly Payments:
      £1,143.81 x 276
    • Total Amount Payable:
      £340,617.80
    • Total Interest Payable:
      £114,618.80
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 24 months at 2.39% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £996.97 and 276 monthly payments of £1,143.81. The total amount payable would be £340,667.80 made up of the loan amount plus interest £114,618.80 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/04/2019
  • APRC
    4.40%
  • Monthly Payment
    £996.97
  • ERC
    Yes
  • Fees
    £1,399
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      2.39% Fixed to 30/04/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £996.97 x 26
    • Ongoing Monthly Payments:
      £1,253.42 x 274
    • Total Amount Payable:
      £371,452.30
    • Total Interest Payable:
      £144,358.30
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.39% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £996.97 and 274 monthly payments of £1,253.42. The total amount payable would be £371,002.30 made up of the loan amount plus interest £144,358.30 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.40% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    2.41%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £999.22
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      2.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £999.22 x 26
    • Ongoing Monthly Payments:
      £1,144.15 x 274
    • Total Amount Payable:
      £341,219.80
    • Total Interest Payable:
      £114,476.80
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.41% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £999.22 and 274 monthly payments of £1,144.15. The total amount payable would be £340,769.80 made up of the loan amount plus interest £114,476.80 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    2.41%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £999.22
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    90%
  • Call Direct 0800 096 7446
    Call: 0800 096 7446 + Product Details
  • Call Royal Bank of Scotland for more information about this mortgage
    • RBS say yes to 9 out of 10 mortgage applications
    • 5% deposit mortgages available with the Government backed Help to Buy scheme
    • Whatever your needs, they have a mortgage to suit.
    • They'll help you every step of the way.
    Lines are open: Monday - Friday 8am - 8pm / Saturday and Sunday 9am - 4pm (excl. public holidays).
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      2.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £999.22 x 26
    • Ongoing Monthly Payments:
      £1,144.15 x 274
    • Total Amount Payable:
      £341,219.80
    • Total Interest Payable:
      £114,476.80
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.41% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £999.22 and 274 monthly payments of £1,144.15. The total amount payable would be £340,769.80 made up of the loan amount plus interest £114,476.80 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.44%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £1,002.60
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.44% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,002.60 x 28
    • Ongoing Monthly Payments:
      £1,136.80 x 272
    • Total Amount Payable:
      £337,782.40
    • Total Interest Payable:
      £112,282.40
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 28 months at 2.44% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £1,002.60 and 272 monthly payments of £1,136.80. The total amount payable would be £337,332.40 made up of the loan amount plus interest £112,282.40 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    2.53%
    Fixed to 30/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £1,012.79
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info
    Call Direct 0808 178 6691
    Call: 0808 178 6691 + Product Details
  • Call Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Click here to find out more
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      2.53% Fixed to 30/04/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,012.79 x 26
    • Ongoing Monthly Payments:
      £1,201.19 x 274
    • Total Amount Payable:
      £355,653.60
    • Total Interest Payable:
      £130,458.60
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 3/2% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.53% and then reverting to our variable rate of 4.24% tracker for remaining term. 26 monthly payments of £1,012.79 and 274 monthly payments of £1,201.19. The total amount payable would be £355,703.60 made up of the loan amount plus interest £130,458.60 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    2.55%
    Fixed to 01/05/2019
  • APRC
    4.10%
  • Monthly Payment
    £1,015.06
  • ERC
    Yes
  • Fees
    £214
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.55% Fixed to 01/05/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No arrangement fees
      £300 cashback House Purchase,First Time Buyers
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,015.06 x 27
    • Ongoing Monthly Payments:
      £1,235.57 x 57
    • Total Amount Payable:
      £360,003.70
    • Total Interest Payable:
      £134,539.70
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £214
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/5/19: 2.5% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.55% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £1,015.06 and 57 monthly payments of £1,235.57. The total amount payable would be £359,853.70 made up of the loan amount plus interest £134,539.70 and a product fee £0 and valuation fee £214. The overall cost for comparison is 4.10% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    2.58%
    Fixed to 01/05/2020
  • APRC
    4.00%
  • Monthly Payment
    £1,018.48
  • ERC
    Yes
  • Fees
    £1,209
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.58% Fixed to 01/05/2020
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,018.48 x 39
    • Ongoing Monthly Payments:
      £1,226.97 x 45
    • Total Amount Payable:
      £356,078.10
    • Total Interest Payable:
      £129,819.10
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/5/20: 3.5% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 39 months at 2.58% and then reverting to our variable rate of 4.54% variable for remaining term. 39 monthly payments of £1,018.48 and 45 monthly payments of £1,226.97. The total amount payable would be £356,128.10 made up of the loan amount plus interest £129,819.10 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.00% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    2.59%
    Fixed for 3 years
  • APRC
    3.50%
  • Monthly Payment
    £1,019.62
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      2.59% Fixed for 3 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,019.62 x 36
    • Ongoing Monthly Payments:
      £1,140.62 x 264
    • Total Amount Payable:
      £338,829
    • Total Interest Payable:
      £112,830
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 3/2/1% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 36 months at 2.59% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £1,019.62 and 264 monthly payments of £1,140.62. The total amount payable would be £338,879 made up of the loan amount plus interest £112,830 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    2.69%
    Fixed to 30/04/2020
  • APRC
    4.20%
  • Monthly Payment
    £1,031.05
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £175,000
    • Max Loan:
      £750,000
    • Product Description:
      2.69% Fixed to 30/04/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,031.05 x 38
    • Ongoing Monthly Payments:
      £1,247.50 x 262
    • Total Amount Payable:
      £366,719.90
    • Total Interest Payable:
      £141,024.90
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 38 months at 2.69% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £1,031.05 and 262 monthly payments of £1,247.50. The total amount payable would be £366,269.90 made up of the loan amount plus interest £141,024.90 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.20% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.69%
    Fixed to 30/06/2020
  • APRC
    3.50%
  • Monthly Payment
    £1,031.05
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.69% Fixed to 30/06/2020
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,031.05 x 40
    • Ongoing Monthly Payments:
      £1,135.09 x 260
    • Total Amount Payable:
      £336,865.40
    • Total Interest Payable:
      £111,365.40
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 40 months at 2.69% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £1,031.05 and 260 monthly payments of £1,135.09. The total amount payable would be £336,415.40 made up of the loan amount plus interest £111,365.40 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    2.69%
    Variable for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £1,031.05
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      2.69% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,031.05 x 24
    • Ongoing Monthly Payments:
      £1,146.55 x 276
    • Total Amount Payable:
      £341,193
    • Total Interest Payable:
      £116,193
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a tracker rate for 24 months at 2.69% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £1,031.05 and 276 monthly payments of £1,146.55. The total amount payable would be £341,243 made up of the loan amount plus interest £116,193 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    2.69%
    Fixed to 30/04/2020
  • APRC
    4.20%
  • Monthly Payment
    £1,031.05
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £175,000
    • Max Loan:
      £750,000
    • Product Description:
      2.69% Fixed to 30/04/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,031.05 x 38
    • Ongoing Monthly Payments:
      £1,247.50 x 262
    • Total Amount Payable:
      £366,719.90
    • Total Interest Payable:
      £141,024.90
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 38 months at 2.69% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £1,031.05 and 262 monthly payments of £1,247.50. The total amount payable would be £366,269.90 made up of the loan amount plus interest £141,024.90 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.20% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 31/03/2019
  • APRC
    3.70%
  • Monthly Payment
    £1,036.80
  • ERC
    Yes
  • Fees
    £1,429
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £349,999
    • Product Description:
      2.74% Fixed to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,036.80 x 25
    • Ongoing Monthly Payments:
      £1,146.64 x 275
    • Total Amount Payable:
      £343,175
    • Total Interest Payable:
      £116,246
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £430
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 3/2% Mortgage Advance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 25 months at 2.74% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £1,036.80 and 275 monthly payments of £1,146.64. The total amount payable would be £342,725 made up of the loan amount plus interest £116,246 and a product fee £999 and valuation fee £430. The overall cost for comparison is 3.70% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2022
  • APRC
    3.40%
  • Monthly Payment
    £1,036.80
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.74% Fixed to 30/06/2022
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,036.80 x 64
    • Ongoing Monthly Payments:
      £1,127.45 x 236
    • Total Amount Payable:
      £334,129.40
    • Total Interest Payable:
      £107,433.40
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 5/4/3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 64 months at 2.74% and then reverting to our variable rate of 3.69% variable for remaining term. 64 monthly payments of £1,036.80 and 236 monthly payments of £1,127.45. The total amount payable would be £333,679.40 made up of the loan amount plus interest £107,433.40 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2022
  • APRC
    3.40%
  • Monthly Payment
    £1,036.80
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.74% Fixed to 30/06/2022
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,036.80 x 64
    • Ongoing Monthly Payments:
      £1,127.45 x 236
    • Total Amount Payable:
      £333,879.40
    • Total Interest Payable:
      £107,433.40
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 5/4/3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 64 months at 2.74% and then reverting to our variable rate of 3.69% variable for remaining term. 64 monthly payments of £1,036.80 and 236 monthly payments of £1,127.45. The total amount payable would be £333,429.40 made up of the loan amount plus interest £107,433.40 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2022
  • APRC
    3.40%
  • Monthly Payment
    £1,036.80
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    90%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.74% Fixed to 30/06/2022
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,036.80 x 64
    • Ongoing Monthly Payments:
      £1,127.45 x 236
    • Total Amount Payable:
      £333,879.40
    • Total Interest Payable:
      £107,433.40
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 5/4/3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 64 months at 2.74% and then reverting to our variable rate of 3.69% variable for remaining term. 64 monthly payments of £1,036.80 and 236 monthly payments of £1,127.45. The total amount payable would be £333,429.40 made up of the loan amount plus interest £107,433.40 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 01/05/2020
  • APRC
    4.00%
  • Monthly Payment
    £1,036.80
  • ERC
    Yes
  • Fees
    £214
  • Max LTV
    90%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.74% Fixed to 01/05/2020
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No arrangement fees
      £300 cashback House Purchase,First Time Buyers
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £1,036.80 x 39
    • Ongoing Monthly Payments:
      £1,229.51 x 45
    • Total Amount Payable:
      £356,649.70
    • Total Interest Payable:
      £131,185.70
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £214
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/5/20: 3.5% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 39 months at 2.74% and then reverting to our variable rate of 4.54% variable for remaining term. 39 monthly payments of £1,036.80 and 45 monthly payments of £1,229.51. The total amount payable would be £356,499.70 made up of the loan amount plus interest £131,185.70 and a product fee £0 and valuation fee £214. The overall cost for comparison is 4.00% APRC representative.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The above results are based on a repayment mortgage of £225,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 90% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 22/02/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
The above results are based on a repayment mortgage of £225,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 90% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 00:22 23/02/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

More about first time buyer mortgages

When you're looking to take your first step onto the property ladder that first rung can seem pretty high up. Luckily, there's a range of mortgages deals out there specifically designed to help first time buyers.

The interest rates you'll face could be a little higher than other mortgages on the market. But the trade-off is that you can get a much higher loan-to-value ratio, meaning you won't need as much deposit. You can sometimes find a bank where you need as little as five per cent upfront and on occasion a lender will come up with a deal where you need no deposit at all. These are rare though.

You may be able to negotiate a better interest rate or secure a bigger loan-to-value ratio if you have a guarantor, such as a parent, who will cover your mortgage payments if you can't afford to pay.

Like with all mortgages, you can get fixed, variable and tracker interest rates as a first time buyer. Most often, you'll start off locked in on a fixed rate for the first two to five years and then revert to a variable rate thereafter. At that point, you can choose to seek a new fixed deal or stay put.

It is important to take the arrangement fee into consideration when weighing up the market. If it's high, you may end up paying more in total over the initial period of your deal.

Please use our whole of market mortgage comparison to compare all the top brands including RBS Mortgages, NatWest Mortgages, HSBC Mortgages, Santander Mortgages, Yorkshire Building Society Mortgages, Chelsea Building Society Mortgages and The Post Office Mortgages to name a few.

Click here for more information on first time buyer mortgages and getting on to the property ladder in our handy guide.