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First time buyers

Whichever route you wish to take, we can point you in the right direction.


We are currently only accepting new mortgage applications up to 75% loan to value (size of mortgage in relation to the value of the property.)  Existing borrowers looking to transfer their existing mortgage can do so at a higher loan to value, subject to product terms and conditions. 

Maximum loan to share for Shared Ownership mortgages remains at 95%.

We are not accepting new Self Build or Holiday Let mortgage applications. Please contact us for further information. 

If you’re a first time buyer, 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.

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 2019

Why choose us?

  • We have products with a minimum 5% deposit
  • 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   
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.

Mortgage glossary

Don't be confused by mortgage jargon. Here's a useful glossary of terms.

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How can we help you?

01635 555777

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