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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HSBC Mortgages
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Whether you are a first time buyer or looking to remortgage, HSBC offers a range of mortgages that are designed to assist our customers.
Lines 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.

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The following results are based on a loan to value (LTV) of 90%
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  • HSBC 1.94% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.94%
    Fixed to 30/09/2019
  • APRC
    3.40%
  • Monthly Payment
    £947.11
  • 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:
      1.94% Fixed to 30/09/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £947.11 x 28
    • Ongoing Monthly Payments:
      £1,131.34 x 272
    • Total Amount Payable:
      £335,939.60
    • Total Interest Payable:
      £109,243.60
    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 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 28 months at 1.94% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £947.11 and 272 monthly payments of £1,131.34. The total amount payable would be £335,489.60 made up of the loan amount plus interest £109,243.60 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 1.94% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.94%
    Fixed to 30/09/2019
  • APRC
    3.40%
  • Monthly Payment
    £947.11
  • 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:
      1.94% Fixed to 30/09/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £947.11 x 28
    • Ongoing Monthly Payments:
      £1,131.34 x 272
    • Total Amount Payable:
      £335,689.60
    • Total Interest Payable:
      £109,243.60
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 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 28 months at 1.94% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £947.11 and 272 monthly payments of £1,131.34. The total amount payable would be £335,239.60 made up of the loan amount plus interest £109,243.60 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 1.94% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.94%
    Fixed to 30/09/2019
  • APRC
    3.40%
  • Monthly Payment
    £947.11
  • 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:
      1.94% Fixed to 30/09/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £947.11 x 28
    • Ongoing Monthly Payments:
      £1,131.34 x 272
    • Total Amount Payable:
      £335,689.60
    • Total Interest Payable:
      £109,243.60
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 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 28 months at 1.94% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £947.11 and 272 monthly payments of £1,131.34. The total amount payable would be £335,239.60 made up of the loan amount plus interest £109,243.60 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Clydesdale Bank 2.09% Fixed to 31/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.09%
    Fixed to 31/07/2019
  • 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:
      £500,000
    • Product Description:
      2.09% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £963.56 x 26
    • Ongoing Monthly Payments:
      £1,250.08 x 274
    • Total Amount Payable:
      £368,918.50
    • Total Interest Payable:
      £142,574.50
    • 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 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 2.09% Fixed to 31/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.09%
    Fixed to 31/07/2019
  • 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:
      £500,000
    • Product Description:
      2.09% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £963.56 x 26
    • Ongoing Monthly Payments:
      £1,250.08 x 274
    • Total Amount Payable:
      £368,918.50
    • Total Interest Payable:
      £142,574.50
    • 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 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.

  • Nationwide BS 2.19% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    2.19%
    Fixed for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £974.62
  • 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:
      2.19% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £974.62 x 24
    • Ongoing Monthly Payments:
      £1,141.94 x 276
    • Total Amount Payable:
      £339,565.30
    • Total Interest Payable:
      £113,566.30
    • 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 2.19% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £974.62 and 276 monthly payments of £1,141.94. The total amount payable would be £339,615.30 made up of the loan amount plus interest £113,566.30 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Nationwide BS 2.19% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    2.19%
    Variable for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £974.62
  • 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:
      2.19% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £974.62 x 24
    • Ongoing Monthly Payments:
      £1,141.94 x 276
    • Total Amount Payable:
      £339,565.30
    • Total Interest Payable:
      £113,566.30
    • 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 2.19% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £974.62 and 276 monthly payments of £1,141.94. The total amount payable would be £339,615.30 made up of the loan amount plus interest £113,566.30 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • HSBC 2.29% Fixed to 30/09/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.29%
    Fixed to 30/09/2020
  • APRC
    3.40%
  • Monthly Payment
    £985.76
  • 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:
      2.29% Fixed to 30/09/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £985.76 x 40
    • Ongoing Monthly Payments:
      £1,129 x 260
    • Total Amount Payable:
      £334,666.40
    • Total Interest Payable:
      £107,970.40
    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/20: 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 40 months at 2.29% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £985.76 and 260 monthly payments of £1,129. The total amount payable would be £334,216.40 made up of the loan amount plus interest £107,970.40 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 2.29% Fixed to 30/09/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.29%
    Fixed to 30/09/2020
  • APRC
    3.40%
  • Monthly Payment
    £985.76
  • 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:
      2.29% Fixed to 30/09/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £985.76 x 40
    • Ongoing Monthly Payments:
      £1,129 x 260
    • Total Amount Payable:
      £334,416.40
    • Total Interest Payable:
      £107,970.40
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/20: 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 40 months at 2.29% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £985.76 and 260 monthly payments of £1,129. The total amount payable would be £333,966.40 made up of the loan amount plus interest £107,970.40 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 2.29% Fixed to 30/09/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.29%
    Fixed to 30/09/2020
  • APRC
    3.40%
  • Monthly Payment
    £985.76
  • 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:
      2.29% Fixed to 30/09/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £985.76 x 40
    • Ongoing Monthly Payments:
      £1,129 x 260
    • Total Amount Payable:
      £334,416.40
    • Total Interest Payable:
      £107,970.40
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/20: 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 40 months at 2.29% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £985.76 and 260 monthly payments of £1,129. The total amount payable would be £333,966.40 made up of the loan amount plus interest £107,970.40 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC 2.34% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.34%
    Fixed to 30/09/2019
  • APRC
    3.50%
  • Monthly Payment
    £991.35
  • 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:
      2.34% Fixed to 30/09/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £991.35 x 28
    • Ongoing Monthly Payments:
      £1,135.73 x 272
    • Total Amount Payable:
      £337,176.40
    • Total Interest Payable:
      £111,676.40
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 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 28 months at 2.34% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £991.35 and 272 monthly payments of £1,135.73. The total amount payable would be £336,726.40 made up of the loan amount plus interest £111,676.40 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Virgin Money 2.37% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.37%
    Fixed to 01/09/2019
  • APRC
    4.10%
  • Monthly Payment
    £994.72
  • 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:
      2.37% Fixed to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £994.72 x 28
    • Ongoing Monthly Payments:
      £1,232.73 x 56
    • Total Amount Payable:
      £359,249.20
    • Total Interest Payable:
      £132,990.20
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/19: 1.5% Outstanding Balance
    Virgin Money
    Call 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 2.37% and then reverting to our variable rate of 4.54% variable for remaining term. 28 monthly payments of £994.72 and 56 monthly payments of £1,232.73. The total amount payable would be £359,299.20 made up of the loan amount plus interest £132,990.20 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.10% APRC representative.

  • Clydesdale Bank 2.39% Fixed to 31/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 31/07/2019
  • APRC
    4.40%
  • Monthly Payment
    £996.97
  • 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:
      2.39% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £996.97 x 26
    • Ongoing Monthly Payments:
      £1,253.42 x 274
    • Total Amount Payable:
      £370,702.30
    • Total Interest Payable:
      £144,358.30
    • 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 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.

  • Yorkshire Bank 2.39% Fixed to 31/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.39%
    Fixed to 31/07/2019
  • APRC
    4.40%
  • Monthly Payment
    £996.97
  • 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:
      2.39% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £996.97 x 26
    • Ongoing Monthly Payments:
      £1,253.42 x 274
    • Total Amount Payable:
      £370,702.30
    • Total Interest Payable:
      £144,358.30
    • 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 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 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 27
    • Ongoing Monthly Payments:
      £1,143.66 x 273
    • Total Amount Payable:
      £340,941.10
    • Total Interest Payable:
      £114,198.10
    • 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 27 months at 2.41% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £999.22 and 273 monthly payments of £1,143.66. The total amount payable would be £340,491.10 made up of the loan amount plus interest £114,198.10 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 27
    • Ongoing Monthly Payments:
      £1,143.66 x 273
    • Total Amount Payable:
      £340,941.10
    • Total Interest Payable:
      £114,198.10
    • 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 27 months at 2.41% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £999.22 and 273 monthly payments of £1,143.66. The total amount payable would be £340,491.10 made up of the loan amount plus interest £114,198.10 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Post Office Money® 2.43% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.43%
    Fixed to 30/06/2019
  • APRC
    4.00%
  • Monthly Payment
    £1,001.47
  • 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:
      2.43% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,001.47 x 25
    • Ongoing Monthly Payments:
      £1,200.83 x 275
    • Total Amount Payable:
      £355,960
    • Total Interest Payable:
      £130,265
    • 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 25 months at 2.43% and then reverting to our variable rate of 4.24% tracker for remaining term. 25 monthly payments of £1,001.47 and 275 monthly payments of £1,200.83. The total amount payable would be £355,510 made up of the loan amount plus interest £130,265 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 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.55%
    Fixed to 01/09/2019
  • 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 01/09/2019
    • 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 1/9/19: 1.5% Outstanding Balance
    Virgin Money
    Call 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 01/09/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.58%
    Fixed to 01/09/2020
  • 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 01/09/2020
    • 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 1/9/20: 2% Outstanding Balance
    Virgin Money
    Call 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.

  • Clydesdale Bank 2.59% Fixed to 31/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.59%
    Fixed to 31/07/2019
  • APRC
    4.40%
  • Monthly Payment
    £1,019.62
  • Max LTV
    90%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £80,000
    • Max Loan:
      £750,000
    • Product Description:
      2.59% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees
      free legal fees Remortgages
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,019.62 x 26
    • Ongoing Monthly Payments:
      £1,255.60 x 274
    • Total Amount Payable:
      £371,239.50
    • Total Interest Payable:
      £145,544.50
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • 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 26 months at 2.59% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £1,019.62 and 274 monthly payments of £1,255.60. The total amount payable would be £370,789.50 made up of the loan amount plus interest £145,544.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.40% APRC representative.

  • HSBC 2.59% Fixed to 30/09/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.59%
    Fixed to 30/09/2020
  • APRC
    3.40%
  • Monthly Payment
    £1,019.62
  • 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:
      2.59% Fixed to 30/09/2020
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,019.62 x 40
    • Ongoing Monthly Payments:
      £1,133.58 x 260
    • Total Amount Payable:
      £336,015.60
    • Total Interest Payable:
      £110,515.60
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/20: 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 40 months at 2.59% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £1,019.62 and 260 monthly payments of £1,133.58. The total amount payable would be £335,565.60 made up of the loan amount plus interest £110,515.60 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS 2.59% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    2.59%
    Variable for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £1,019.62
  • 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:
      2.59% 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:
      £1,019.62 x 24
    • Ongoing Monthly Payments:
      £1,145.65 x 276
    • Total Amount Payable:
      £340,670.30
    • Total Interest Payable:
      £115,670.30
    • 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 2.59% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £1,019.62 and 276 monthly payments of £1,145.65. The total amount payable would be £340,720.30 made up of the loan amount plus interest £115,670.30 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Nationwide BS 2.59% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    2.59%
    Fixed for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £1,019.62
  • 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:
      2.59% 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:
      £1,019.62 x 24
    • Ongoing Monthly Payments:
      £1,145.65 x 276
    • Total Amount Payable:
      £340,670.30
    • Total Interest Payable:
      £115,670.30
    • 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 2.59% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £1,019.62 and 276 monthly payments of £1,145.65. The total amount payable would be £340,720.30 made up of the loan amount plus interest £115,670.30 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Post Office Money® 2.59% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.59%
    Fixed to 30/06/2019
  • APRC
    4.00%
  • Monthly Payment
    £1,019.62
  • 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:
      2.59% 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:
      £1,019.62 x 25
    • Ongoing Monthly Payments:
      £1,202.43 x 275
    • Total Amount Payable:
      £356,353.80
    • Total Interest Payable:
      £131,158.80
    • 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 25 months at 2.59% and then reverting to our variable rate of 4.24% tracker for remaining term. 25 monthly payments of £1,019.62 and 275 monthly payments of £1,202.43. The total amount payable would be £356,403.80 made up of the loan amount plus interest £131,158.80 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Post Office Money® 2.59% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.59%
    Fixed to 30/06/2019
  • APRC
    4.00%
  • Monthly Payment
    £1,019.62
  • 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:
      2.59% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,019.62 x 25
    • Ongoing Monthly Payments:
      £1,202.43 x 275
    • Total Amount Payable:
      £356,353.80
    • Total Interest Payable:
      £131,158.80
    • 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 25 months at 2.59% and then reverting to our variable rate of 4.24% tracker for remaining term. 25 monthly payments of £1,019.62 and 275 monthly payments of £1,202.43. The total amount payable would be £356,403.80 made up of the loan amount plus interest £131,158.80 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Clydesdale Bank 2.69% Fixed to 31/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.69%
    Fixed to 31/07/2020
  • APRC
    4.20%
  • Monthly Payment
    £1,031.05
  • 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:
      2.69% Fixed to 31/07/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £750 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,031.05 x 38
    • Ongoing Monthly Payments:
      £1,247.50 x 262
    • Total Amount Payable:
      £365,969.90
    • Total Interest Payable:
      £141,024.90
    • 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 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.

  • Yorkshire Bank 2.69% Fixed to 31/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.69%
    Fixed to 31/07/2020
  • APRC
    4.20%
  • Monthly Payment
    £1,031.05
  • 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:
      2.69% Fixed to 31/07/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £750 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £1,031.05 x 38
    • Ongoing Monthly Payments:
      £1,247.50 x 262
    • Total Amount Payable:
      £365,969.90
    • Total Interest Payable:
      £141,024.90
    • 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 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 2.74% Fixed to 30/09/2022
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/09/2022
  • 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 30/09/2022
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • 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
    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/22: 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 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 2.74% Fixed to 30/09/2022
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/09/2022
  • 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 30/09/2022
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • 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
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/22: 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 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 2.74% Fixed to 30/09/2022
  • Mortgage Type
    fixed
  • Initial Rate
    2.74%
    Fixed to 30/09/2022
  • 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 30/09/2022
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • 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
    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/22: 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 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.

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, 26/05/2017.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, 01:36 27/05/2017.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

First Time Buyer Mortgages FAQs

What is a first time buyer mortgage?

A first time buyer mortgage is a mortgage specifically for buyers who are not existing home owners.

Are first time buyer mortgages more expensive?

No. The rate you'll pay will depend largely on how much of a deposit you have. The fact that you're a first time buyer has no impact. In fact, first time buyer mortgages tend to come with incentives such as cashback or free legal services.

What kind of deposit do I need for a first time buyer mortgage?

First time buyer mortgages are available at a range of loan to values (LTVs) - the ratio of the loan amount needed compared to the cost of the property. The larger deposit you have the lower the LTV. Lower LTV mortgages tend to have cheaper rates.

What fees will I pay?

You could face an arrangement fee, product fee, valuation fee and legal fees although not all fees apply to all products.

What criteria will I have to meet to get a first time buyer mortgage?

You will have to meet your lender's affordability criteria. The lender will want to know you can afford to repay the loan and each lender has its own means of assessing affordability. You'll also need to adhere to the lender's standard criteria, including being within its age limit and having a good credit score.

What are the benefits of first time buyer mortgages?

Mortgages aimed specifically at first time buyers tend to feature incentives such as money towards legal fees, cashback or low fees.

What are the downsides?

There aren't any downsides specific to first time buyer mortgages but as a first time buyer it's important to bear in mind all of the costs involved in taking out a mortgage and ensure you are able to afford the monthly repayments.

How can I improve my chances of getting a first time buyer mortgage?

Your lender will want to make sure you can afford to repay the mortgage so keep your finances in order, check your credit score is good (and take steps to improve it if need be) and where possible reduce your outgoings. Also, remember the bigger your deposit the better the rates available to you so save as much as you can before buying.

How can I compare first time buyer mortgages?

You can compare first time buyer mortgages using Know Your Money's comprehensive comparison tables which allow you to sort products by fees, rates and overall cost.