First time buyers 

We’d love to help you climb

onto the property ladder. 

 

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 includes products specifically designed to help first time buyers, including Shared Ownership and Help to Buy Equity Loan mortgages.

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

Great for first time buyers. Great experience using Newbury. When applying for a mortgage for the first time it can be pretty daunting and confusing. Newbury made the application easy and supported us all the way through.

D. Stranks - Smart Money People review
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 with our qualified mortgage advisers can be made on Saturday mornings and can be undertaken by telephone or by videocall. 

Book a mortgage appointment online now

Appointments are available by video call and phone.

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 Help to Buy Equity Loan.

Find out more

First time buyer mortgages

Product Initial rate APRC Mortgage fees Max LTV Features
3 year discount 75% LTV 1.69%discounted 3.4% £600 Purchase £850 Remortgage 75%
3 year discount 90% LTV 2.99%discounted 3.8% £600 Purchase £850 Remortgage 90%
5 year discount 75% LTV 1.69%discounted 3.1% £600 Purchase £850 Remortgage 75%
Fixed rate until 29 November 2024 75% LTV 2.24%fixed 3.6% £600 Purchase £850 Remortgage 75%
Fixed rate until 29 November 2024 90% LTV 3.44%fixed 3.9% £300 Purchase £550 Remortgage 90%
Fixed rate until 29 November 2026 75% LTV 2.49%fixed 3.5% £600 Purchase £850 Remortgage 75%
Help to Buy 3 year discount 75% LTV 1.69%discounted 3.4% £600 Purchase £850 Remortgage 75%
Help to Buy 5 year discount 75% LTV 1.69%discounted 3.1% £600 Purchase £850 Remortgage 75%
Help to Buy fixed rate until 29 November 2024 75% LTV 2.24%fixed 3.6% £600 Purchase £850 Remortgage 75%
Help to Buy fixed rate until 29 November 2026 75% LTV 2.49%fixed 3.5% £600 Purchase £850 Remortgage 75%
Shared Ownership 3 year discount 95% LTV 2.99%discounted 3.8% £0 None None None 95%
Shared Ownership fixed rate until 29 January 2024 95% LTV 3.69%fixed 4.0% £0 None None None 95%
Shared Ownership fixed rate until 29 November 2024 95% LTV 3.69%fixed 4.0% £0 None None None 95%
Shared Ownership fixed rate until 29 November 2026 95% LTV 3.89%fixed 4.0% £0 None None None 95%

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