First time buyers 

Furnishing you with ways to buy your first home. 

 

Buying a home is the single biggest purchase most people will ever make, so it’s important to get it right.

Our range of mortgages include products specifically designed to help first time buyers, including Shared Ownership mortgages.

Our 5% deposit mortgages are available on Shared Ownership mortgages only, these are not part of the Government’s mortgage guarantee scheme.

Efficient and smooth experience. As a first time buyer I had a lot of anxiety about this process but Newbury were really quick and efficient at responding and communicating which I really appreciated.

Smart Money People review, August 2023
WHY CHOOSE US?
  • We have products with a minimum 5% deposit on Shared Ownership mortgages 

  • We accept gifted deposits for first time buyers

  • We guarantee that you will always be able to speak to a person, not a computer, in a free, no obligation meeting to discuss your needs

  • We can arrange a telephone or video appointment to suit you

  • We will consider your previous and current circumstances   

MAKE AN APPOINTMENT WITH A QUALIFIED MORTGAGE ADVISER 

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. 

Book a mortgage appointment online now

Appointments are available by video call, phone and in branch.

Book now
Tell a Friend about our mortgages

Friends and family who have existing mortgages with us can refer you and share £300!

Find out more!
First time buyers guide

This guide takes you through the process of buying your first home, including saving for your deposit and applying for a mortgage.

Read now
Mortgage glossary

Our mortgage glossary offers clear definitions of the language used in the mortgage process, explaining key words and phrases.

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How much can I borrow?

Get a good idea of how much we may be able to lend you in a few minutes. You'll need to know your regular income and expenditures. 

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Mortgage schemes

Helping you to own your home. Find out more about Government schemes like Shared Ownership and the First Homes Scheme.

Find out more

First time buyer mortgages

Product Initial rate APRC Mortgage fees Max LTV Features
3 year discount 75% LTV 4.99%discounted 6.4% £850 Purchase £850 Remortgage 75%
3 year discount 85% LTV 5.79%discounted 6.7% £850 Purchase £850 Remortgage 85%
3 year discount 90% LTV 5.99%discounted 6.8% £850 Purchase £850 Remortgage 90%
Existing Borrower Shared Ownership fixed rate until 29 May 2027 85% LTV 5.19%fixed 6.8% £0 None None None 85%
Existing Borrower Shared Ownership fixed rate until 29 May 2027 95% LTV 5.49%fixed 6.8% £0 None None None 95%
Existing Borrower Transfer Help to Buy fixed rate until 29 May 2027 75% LTV 4.79%fixed 6.2% £0 Purchase None None 75%
First Homes 3 year discount 65% LTV 4.99%discounted 6.4% £850 Purchase £850 Remortgage 65%
First Homes Fixed rate until 29 May 2027 65% LTV 4.89%fixed 6.3% £850 Purchase and Remortgage None None 65%
Fixed rate until 29 May 2027 75% LTV 4.89%fixed 6.3% £850 Purchase and Remortgage None None 75%
Fixed rate until 29 May 2027 85% LTV 5.29%fixed 6.5% £850 Purchase and Remortgage None None 85%
Fixed rate until 29 May 2027 90% LTV 5.49%fixed 6.6% £850 Purchase and Remortgage None None 90%
Fixed rate until 29 May 2029 75% LTV 4.49%fixed 5.6% £850 Purchase and Remortgage None None 75%
Help to Buy 3 year discount 75% LTV 4.99%discounted 6.4% £850 Remortgage None None 75%
Help to Buy fixed rate until 29 May 2027 75% LTV 4.89%fixed 6.3% £850 Remortgage None None 75%
Made to measure 3 year discount 75% LTV 5.49%discounted 6.6% £850 Purchase £850 Remortgage 75%
Made to measure fixed rate until 29 May 2027 75% LTV 5.29%fixed 6.5% £850 Purchase and Remortgage None None 75%
Shared Ownership 3 year discount 95% LTV 5.44%discounted 6.8% £0 None None None 95%
Shared Ownership fixed rate until 29 July 2026 85% LTV 5.29%fixed 6.9% £0 None None None 85%
Shared Ownership fixed rate until 29 July 2026 95% LTV 5.59%fixed 7.0% £0 None None None 95%
Shared Ownership fixed rate until 29 May 2027 85% LTV 5.29%fixed 6.8% £0 None None None 85%
Shared Ownership fixed rate until 29 May 2027 95% LTV 5.59%fixed 6.9% £0 None None None 95%
Shared Ownership fixed rate until 29 May 2029 95% LTV 4.99%fixed 6.5% £0 None None None 95%

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