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.
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%
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  • HSBC 1.99% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £952.58
  • Max LTV
    90%
  • Fees
    £1,196
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £952.58 x 27
    • Ongoing Monthly Payments:
      £1,132.52 x 273
    • Total Amount Payable:
      £336,593.60
    • Total Interest Payable:
      £109,897.60
    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 27 monthly payments of £952.58 and 273 monthly payments of £1,132.52. The total amount payable would be £336,143.60 made up of the loan amount plus interest £109,897.60 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC 1.99% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £952.58
  • Max LTV
    90%
  • Fees
    £946
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £952.58 x 27
    • Ongoing Monthly Payments:
      £1,132.52 x 273
    • Total Amount Payable:
      £336,343.60
    • Total Interest Payable:
      £109,897.60
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 27 monthly payments of £952.58 and 273 monthly payments of £1,132.52. The total amount payable would be £335,893.60 made up of the loan amount plus interest £109,897.60 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC 1.99% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £952.58
  • Max LTV
    90%
  • Fees
    £946
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £952.58 x 27
    • Ongoing Monthly Payments:
      £1,132.52 x 273
    • Total Amount Payable:
      £336,343.60
    • Total Interest Payable:
      £109,897.60
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 27 monthly payments of £952.58 and 273 monthly payments of £1,132.52. The total amount payable would be £335,893.60 made up of the loan amount plus interest £109,897.60 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • Clydesdale Bank 2.09% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.09%
    Fixed to 30/06/2019
  • APRC
    4.30%
  • Monthly Payment
    £963.56
  • Max LTV
    90%
  • Fees
    £1,399
  • See deal + Product Details
    • 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 30/06/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £963.56 x 27
    • Ongoing Monthly Payments:
      £1,249.06 x 273
    • Total Amount Payable:
      £369,103.50
    • Total Interest Payable:
      £142,009.50
    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.09% and then reverting to our variable rate of 4.70% variable for remaining term. 27 monthly payments of £963.56 and 273 monthly payments of £1,249.06. The total amount payable would be £368,653.50 made up of the loan amount plus interest £142,009.50 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.30% APRC representative.

  • Yorkshire Bank 2.09% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.09%
    Fixed to 30/06/2019
  • APRC
    4.30%
  • Monthly Payment
    £963.56
  • Max LTV
    90%
  • Fees
    £1,399
  • See deal + Product Details
    • 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 30/06/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £963.56 x 27
    • Ongoing Monthly Payments:
      £1,249.06 x 273
    • Total Amount Payable:
      £369,103.50
    • Total Interest Payable:
      £142,009.50
    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.09% and then reverting to our variable rate of 4.70% variable for remaining term. 27 monthly payments of £963.56 and 273 monthly payments of £1,249.06. The total amount payable would be £368,653.50 made up of the loan amount plus interest £142,009.50 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.30% APRC representative.

  • Virgin Money 2.24% Fixed to 01/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.24%
    Fixed to 01/07/2019
  • APRC
    4.10%
  • Monthly Payment
    £980.18
  • Max LTV
    90%
  • Fees
    £1,209
  • See deal + Product Details
    • 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 01/07/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £980.18 x 28
    • Ongoing Monthly Payments:
      £1,231.20 x 56
    • Total Amount Payable:
      £358,432.40
    • Total Interest Payable:
      £132,173.40
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/7/19: 2.5% Outstanding Balance
    Virgin Money
    Visit Virgin Money for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 28 months at 2.24% and then reverting to our variable rate of 4.54% variable for remaining term. 28 monthly payments of £980.18 and 56 monthly payments of £1,231.20. The total amount payable would be £358,482.40 made up of the loan amount plus interest £132,173.40 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.10% APRC representative.

  • Nationwide BS 2.29% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    2.29%
    Variable for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £985.76
  • Max LTV
    90%
  • Fees
    £999
  • See deal + Product Details
    • 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)
    • 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
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • 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® 2.32% Fixed to 30/04/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.32%
    Fixed to 30/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £989.11
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • 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)
    • Initial Monthly Repayment:
      £989.11 x 25
    • Ongoing Monthly Payments:
      £1,199.71 x 275
    • Total Amount Payable:
      £355,343
    • Total Interest Payable:
      £129,648
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 3/2% Sum Repaid
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 25 months at 2.32% and then reverting to our variable rate of 4.24% tracker for remaining term. 25 monthly payments of £989.11 and 275 monthly payments of £1,199.71. The total amount payable would be £354,893 made up of the loan amount plus interest £129,648 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • HSBC 2.39% Fixed to 30/06/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £996.97
  • Max LTV
    90%
  • Fees
    £1,196
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £996.97 x 39
    • Ongoing Monthly Payments:
      £1,131.02 x 261
    • Total Amount Payable:
      £335,774.10
    • Total Interest Payable:
      £109,078
    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 39 months at 2.39% and then reverting to our variable rate of 3.69% variable for remaining term. 39 monthly payments of £996.97 and 261 monthly payments of £1,131.02. The total amount payable would be £335,324.10 made up of the loan amount plus interest £109,078 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 2.39% Fixed to 30/06/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £996.97
  • Max LTV
    90%
  • Fees
    £946
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £996.97 x 39
    • Ongoing Monthly Payments:
      £1,131.02 x 261
    • Total Amount Payable:
      £335,524.10
    • Total Interest Payable:
      £109,078
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 39 months at 2.39% and then reverting to our variable rate of 3.69% variable for remaining term. 39 monthly payments of £996.97 and 261 monthly payments of £1,131.02. The total amount payable would be £335,074.10 made up of the loan amount plus interest £109,078 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 2.39% Fixed to 30/06/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £996.97
  • Max LTV
    90%
  • Fees
    £946
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £996.97 x 39
    • Ongoing Monthly Payments:
      £1,131.02 x 261
    • Total Amount Payable:
      £335,524.10
    • Total Interest Payable:
      £109,078
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 39 months at 2.39% and then reverting to our variable rate of 3.69% variable for remaining term. 39 monthly payments of £996.97 and 261 monthly payments of £1,131.02. The total amount payable would be £335,074.10 made up of the loan amount plus interest £109,078 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS 2.39% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £996.97
  • Max LTV
    90%
  • Fees
    £999
  • See deal + Product Details
    • 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)
    • 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
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • 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.

  • NatWest 2.41% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.41%
    Fixed to 31/08/2019
  • APRC
    3.60%
  • Monthly Payment
    £999.22
  • Max LTV
    90%
  • Fees
    £1,243
  • See deal + Product Details
    • 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 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £999.22 x 29
    • Ongoing Monthly Payments:
      £1,142.67 x 271
    • Total Amount Payable:
      £340,383.90
    • Total Interest Payable:
      £113,641
    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 29 months at 2.41% and then reverting to our variable rate of 3.75% variable for remaining term. 29 monthly payments of £999.22 and 271 monthly payments of £1,142.67. The total amount payable would be £339,933.90 made up of the loan amount plus interest £113,641 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Royal Bank of Scotland 2.41% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.41%
    Fixed to 31/08/2019
  • APRC
    3.60%
  • Monthly Payment
    £999.22
  • Max LTV
    90%
  • Fees
    £1,243
  • + Product Details
    • 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 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £999.22 x 29
    • Ongoing Monthly Payments:
      £1,142.67 x 271
    • Total Amount Payable:
      £340,383.90
    • Total Interest Payable:
      £113,641
    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Sum Repaid
    Royal Bank of Scotland
    Call Royal Bank of Scotland for more information about this mortgage
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 29 months at 2.41% and then reverting to our variable rate of 3.75% variable for remaining term. 29 monthly payments of £999.22 and 271 monthly payments of £1,142.67. The total amount payable would be £339,933.90 made up of the loan amount plus interest £113,641 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • HSBC 2.44% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.44%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £1,002.60
  • Max LTV
    90%
  • Fees
    No Fees
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £1,002.60 x 27
    • Ongoing Monthly Payments:
      £1,137.26 x 273
    • Total Amount Payable:
      £338,042.20
    • Total Interest Payable:
      £112,542.20
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.44% and then reverting to our variable rate of 3.69% variable for remaining term. 27 monthly payments of £1,002.60 and 273 monthly payments of £1,137.26. The total amount payable would be £337,592.20 made up of the loan amount plus interest £112,542.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Clydesdale Bank 2.49% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.49%
    Fixed to 30/06/2019
  • APRC
    4.40%
  • Monthly Payment
    £1,008.25
  • Max LTV
    90%
  • Fees
    £1,399
  • See deal + Product Details
    • 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:
      2.49% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,008.25 x 27
    • Ongoing Monthly Payments:
      £1,253.67 x 273
    • Total Amount Payable:
      £371,568.70
    • Total Interest Payable:
      £144,474.70
    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.49% and then reverting to our variable rate of 4.70% variable for remaining term. 27 monthly payments of £1,008.25 and 273 monthly payments of £1,253.67. The total amount payable would be £371,118.70 made up of the loan amount plus interest £144,474.70 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.40% APRC representative.

  • Yorkshire Bank 2.49% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.49%
    Fixed to 30/06/2019
  • APRC
    4.40%
  • Monthly Payment
    £1,008.25
  • Max LTV
    90%
  • Fees
    £1,399
  • See deal + Product Details
    • 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:
      2.49% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,008.25 x 27
    • Ongoing Monthly Payments:
      £1,253.67 x 273
    • Total Amount Payable:
      £371,568.70
    • Total Interest Payable:
      £144,474.70
    • Product Fee:
      £999
    • Valuation Fee:
      £400
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.49% and then reverting to our variable rate of 4.70% variable for remaining term. 27 monthly payments of £1,008.25 and 273 monthly payments of £1,253.67. The total amount payable would be £371,118.70 made up of the loan amount plus interest £144,474.70 and a product fee £999 and valuation fee £400. The overall cost for comparison is 4.40% APRC representative.

  • Post Office Money® 2.53% Fixed to 30/04/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.53%
    Fixed to 30/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £1,012.79
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • 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)
    • Initial Monthly Repayment:
      £1,012.79 x 25
    • Ongoing Monthly Payments:
      £1,201.83 x 275
    • Total Amount Payable:
      £356,018
    • Total Interest Payable:
      £130,823
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 3/2% Sum Repaid
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 25 months at 2.53% and then reverting to our variable rate of 4.24% tracker for remaining term. 25 monthly payments of £1,012.79 and 275 monthly payments of £1,201.83. The total amount payable would be £356,068 made up of the loan amount plus interest £130,823 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Post Office Money® 2.53% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.53%
    Fixed to 30/06/2019
  • APRC
    4.00%
  • Monthly Payment
    £1,012.79
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • 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:
      2.53% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees
      free legal fees House Purchase,First Time Buyers
      free valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,012.79 x 27
    • Ongoing Monthly Payments:
      £1,200.56 x 273
    • Total Amount Payable:
      £355,293.20
    • Total Interest Payable:
      £130,098.20
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 3/2% Sum Repaid
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.53% and then reverting to our variable rate of 4.24% tracker for remaining term. 27 monthly payments of £1,012.79 and 273 monthly payments of £1,200.56. The total amount payable would be £355,343.20 made up of the loan amount plus interest £130,098.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Virgin Money 2.55% Fixed to 01/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.55%
    Fixed to 01/07/2019
  • APRC
    4.10%
  • Monthly Payment
    £1,015.06
  • Max LTV
    90%
  • Fees
    £214
  • See deal + Product Details
    • 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 01/07/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No arrangement fees
      £300 cashback House Purchase,First Time Buyers
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,015.06 x 28
    • Ongoing Monthly Payments:
      £1,234.82 x 56
    • Total Amount Payable:
      £359,581.40
    • Total Interest Payable:
      £134,117.40
    • Product Fee:
      £0
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/7/19: 2.5% Outstanding Balance
    Virgin Money
    Visit Virgin Money for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 28 months at 2.55% and then reverting to our variable rate of 4.54% variable for remaining term. 28 monthly payments of £1,015.06 and 56 monthly payments of £1,234.82. The total amount payable would be £359,431.40 made up of the loan amount plus interest £134,117.40 and a product fee £0 and valuation fee £214. The overall cost for comparison is 4.10% APRC representative.

  • Virgin Money 2.58% Fixed to 01/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.58%
    Fixed to 01/07/2020
  • APRC
    4.00%
  • Monthly Payment
    £1,018.48
  • Max LTV
    90%
  • Fees
    £1,209
  • See deal + Product Details
    • 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 01/07/2020
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,018.48 x 40
    • Ongoing Monthly Payments:
      £1,226.22 x 44
    • Total Amount Payable:
      £355,678.90
    • Total Interest Payable:
      £129,419.90
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/7/20: 3.5% Outstanding Balance
    Virgin Money
    Visit Virgin Money for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 40 months at 2.58% and then reverting to our variable rate of 4.54% variable for remaining term. 40 monthly payments of £1,018.48 and 44 monthly payments of £1,226.22. The total amount payable would be £355,728.90 made up of the loan amount plus interest £129,419.90 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.00% APRC representative.

  • HSBC 2.69% Fixed to 30/06/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.69%
    Fixed to 30/06/2020
  • APRC
    3.50%
  • Monthly Payment
    £1,031.05
  • Max LTV
    90%
  • Fees
    No Fees
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £1,031.05 x 39
    • Ongoing Monthly Payments:
      £1,135.46 x 261
    • Total Amount Payable:
      £337,066
    • Total Interest Payable:
      £111,566
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 39 months at 2.69% and then reverting to our variable rate of 3.69% variable for remaining term. 39 monthly payments of £1,031.05 and 261 monthly payments of £1,135.46. The total amount payable would be £336,616 made up of the loan amount plus interest £111,566 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Nationwide BS 2.69% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    2.69%
    Variable for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £1,031.05
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • 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)
    • 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
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • 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.

  • Clydesdale Bank 2.74% Fixed to 30/06/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2020
  • APRC
    4.20%
  • Monthly Payment
    £1,036.80
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • 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:
      2.74% Fixed to 30/06/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,036.80 x 39
    • Ongoing Monthly Payments:
      £1,247.53 x 261
    • Total Amount Payable:
      £366,735.50
    • Total Interest Payable:
      £141,040.50
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • 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 4.70% variable for remaining term. 39 monthly payments of £1,036.80 and 261 monthly payments of £1,247.53. The total amount payable would be £366,285.50 made up of the loan amount plus interest £141,040.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.20% APRC representative.

  • HSBC 2.74% Fixed to 30/06/2022
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2022
  • APRC
    3.40%
  • Monthly Payment
    £1,036.80
  • Max LTV
    90%
  • Fees
    £1,196
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £1,036.80 x 63
    • Ongoing Monthly Payments:
      £1,127.80 x 237
    • Total Amount Payable:
      £334,303
    • Total Interest Payable:
      £107,607
    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 5/4/3/2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 63 months at 2.74% and then reverting to our variable rate of 3.69% variable for remaining term. 63 monthly payments of £1,036.80 and 237 monthly payments of £1,127.80. The total amount payable would be £333,853 made up of the loan amount plus interest £107,607 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 2.74% Fixed to 30/06/2022
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2022
  • APRC
    3.40%
  • Monthly Payment
    £1,036.80
  • Max LTV
    90%
  • Fees
    £946
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £1,036.80 x 63
    • Ongoing Monthly Payments:
      £1,127.80 x 237
    • Total Amount Payable:
      £334,053
    • Total Interest Payable:
      £107,607
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 5/4/3/2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 63 months at 2.74% and then reverting to our variable rate of 3.69% variable for remaining term. 63 monthly payments of £1,036.80 and 237 monthly payments of £1,127.80. The total amount payable would be £333,603 made up of the loan amount plus interest £107,607 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 2.74% Fixed to 30/06/2022
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2022
  • APRC
    3.40%
  • Monthly Payment
    £1,036.80
  • Max LTV
    90%
  • Fees
    £946
  • + Product Details
    • 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)
    • Initial Monthly Repayment:
      £1,036.80 x 63
    • Ongoing Monthly Payments:
      £1,127.80 x 237
    • Total Amount Payable:
      £334,053
    • Total Interest Payable:
      £107,607
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 5/4/3/2/1% Sum Repaid
    HSBC
    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.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 63 months at 2.74% and then reverting to our variable rate of 3.69% variable for remaining term. 63 monthly payments of £1,036.80 and 237 monthly payments of £1,127.80. The total amount payable would be £333,603 made up of the loan amount plus interest £107,607 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Virgin Money 2.74% Fixed to 01/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 01/07/2020
  • APRC
    4.00%
  • Monthly Payment
    £1,036.80
  • Max LTV
    90%
  • Fees
    £214
  • See deal + Product Details
    • 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 01/07/2020
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No arrangement fees
      £300 cashback House Purchase,First Time Buyers
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,036.80 x 40
    • Ongoing Monthly Payments:
      £1,228.82 x 44
    • Total Amount Payable:
      £356,281.90
    • Total Interest Payable:
      £130,817.90
    • Product Fee:
      £0
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/7/20: 3.5% Outstanding Balance
    Virgin Money
    Visit Virgin Money for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 40 months at 2.74% and then reverting to our variable rate of 4.54% variable for remaining term. 40 monthly payments of £1,036.80 and 44 monthly payments of £1,228.82. The total amount payable would be £356,131.90 made up of the loan amount plus interest £130,817.90 and a product fee £0 and valuation fee £214. The overall cost for comparison is 4.00% APRC representative.

  • Yorkshire Bank 2.74% Fixed to 30/06/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/06/2020
  • APRC
    4.20%
  • Monthly Payment
    £1,036.80
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • 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:
      2.74% Fixed to 30/06/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,036.80 x 39
    • Ongoing Monthly Payments:
      £1,247.53 x 261
    • Total Amount Payable:
      £366,735.50
    • Total Interest Payable:
      £141,040.50
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • 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 4.70% variable for remaining term. 39 monthly payments of £1,036.80 and 261 monthly payments of £1,247.53. The total amount payable would be £366,285.50 made up of the loan amount plus interest £141,040.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.20% APRC representative.

  • Nationwide BS 2.79% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    2.79%
    Fixed for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £1,042.56
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • 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:
      2.79% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,042.56 x 24
    • Ongoing Monthly Payments:
      £1,147.45 x 276
    • Total Amount Payable:
      £341,717.60
    • Total Interest Payable:
      £116,717.60
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 24 months at 2.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £1,042.56 and 276 monthly payments of £1,147.45. The total amount payable would be £341,767.60 made up of the loan amount plus interest £116,717.60 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

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, 28/03/2017.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, 22:30 28/03/2017.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.
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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.