First-time buyers: 12 questions we get asked
Confused by the mortgage process? You're not alone! Here are the top 12 questions first time buyers ask our mortgage advisers.
As an existing mortgage customer of Newbury Building Society we’d be delighted to help you continue your home ownership journey.
Always the most helpful. We have been with Newbury since we had our first mortgage 15 years ago. Every time we need to remortgage, they offer us a completely brilliant and super competitive remortgage, so we’ve never changed. This time they’ve helped us port our mortgage over to a new property - zero hassle and one hundred percent helpfulness.
For further information on mortgage appointments see our making a mortgage appointment page for further details.
Appointments can be made during branch operating hours including Saturday mornings with our qualified mortgage advisers and can be undertaken by telephone, videocall or in one of our branches.
| Product | Initial rate | APRC | Mortgage fees | Max LTV | Features |
|---|---|---|---|---|---|
| 3 year discount 75% LTV | 1.84%discounted | 3.6% | £600 Purchase £850 Remortgage | 75% |
|
| 3 year discount 90% LTV | 3.14%discounted | 4.0% | £600 Purchase £850 Remortgage | 90% |
|
| 5 year discount 75% LTV | 1.84%discounted | 3.3% | £600 Purchase £850 Remortgage | 75% |
|
| 5 year discount 85% LTV | 2.14%discounted | 3.3% | £600 Purchase £850 Remortgage | 85% |
|
| Buy to Let 3 year discount 75% LTV | 2.4%discounted | 3.9% | £950 Purchase or Remortgage None None | 75% |
|
| Buy to Let 5 year discount 75% LTV | 2.4%discounted | 3.6% | £950 Purchase or Remortgage None None | 75% |
|
| Existing Borrowers 5 year discount 75% LTV | 1.74%discounted | 2.9% | £0 None None None | 75% |
|
| Existing Borrower Shared Ownership 3 year discount 90% LTV | 2.49%discounted | 3.7% | £0 None None None | 90% |
|
| Existing Borrowers Help to Buy 5 year discount 75% LTV | 1.74%discounted | 3.4% | £0 None None None | 75% |
|
| Fixed rate until 29 July 2025 85% LTV | 3.44%fixed | 4.1% | £300 Purchase £550 Remortgage | 85% |
|
| Fixed rate until 29 July 2025 90% LTV | 3.79%fixed | 4.1% | £300 Purchase £550 Remortgage | 90% |
|
| Fixed rate until 29 July 2027 75% LTV | 3.39%fixed | 4.0% | £600 Purchase £850 Remortgage | 75% |
|
| GoGreen Buy to Let Further Advance 3 year discount 75% LTV | 2.4%discounted | 3.9% | £0 None None None | 75% |
|
| GoGreen Further Advance 5 year discount 75% LTV | 1.64%discounted | 2.4% | £0 None None None | 75% |
|
| GoGreen LTD Company Buy to Let Further Advance 3 year discount 75% LTV | 2.8%discounted | 4.0% | £0 None None None | 75% |
|
| Help to Buy fixed rate until 29 July 2025 75% LTV | 3.19%fixed | 4.0% | £600 Purchase £850 Remortgage | 75% |
|
| Help to Buy fixed rate until 29 September 2024 75% LTV | 3.19%fixed | 4.0% | £600 Purchase £850 Remortgage | 75% |
|
| Shared Ownership fixed rate until 29 July 2025 95% LTV | 3.69%fixed | 4.1% | £0 None None None | 95% |
|
| Shared Ownership fixed rate until 29 July 2027 95% LTV | 3.89%fixed | 4.1% | £0 None None None | 95% |
|
| Shared Ownership fixed rate until 29 September 2024 95% LTV | 3.69%fixed | 4.1% | £0 None None None | 95% |
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Newbury Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number 206077). Registered office: Newbury Building Society, 90 Bartholomew Street, Newbury, West Berkshire, RG14 5EE.
English law applies and we will communicate with you in English. We are participants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that we cannot resolve can be referred to the Financial Ombudsman Service.
You can check the Financial Services register on the FCA's website.
