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.
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
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.
Appointments are available by video call, phone and in branch.
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Friends and family who have existing mortgages with us can refer you and share £300!
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This guide takes you through the process of buying your first home, including saving for your deposit and applying for a mortgage.
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Our mortgage glossary offers clear definitions of the language used in the mortgage process, explaining key words and phrases.
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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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Helping you to own your home. Find out more about Government schemes like Shared Ownership and the First Homes Scheme.
Find out more| Product | Initial rate | APRC | Mortgage fees | Max LTV | Features |
|---|---|---|---|---|---|
| 3 year discount 75% LTV | 5.34%discounted | 6.5% | £600 Purchase £850 Remortgage | 75% |
|
| 3 year discount 90% LTV | 6.54%discounted | 7.1% | £600 Purchase £850 Remortgage | 90% |
|
| 5 year discount 75% LTV | 5.34%discounted | 6.1% | £600 Purchase £850 Remortgage | 75% |
|
| 5 year discount 85% LTV | 6.04%discounted | 6.6% | £600 Purchase £850 Remortgage | 85% |
|
| Existing Borrower Shared Ownership fixed rate until 29 November 2026 85% LTV | 5.79%fixed | 6.8% | £0 None None None | 85% |
|
| Existing Borrower Shared Ownership fixed rate until 29 November 2026 95% LTV | 5.89%fixed | 7.0% | £0 None None None | 95% |
|
| Existing Borrower Transfer Help to Buy fixed rate until 29 January 2027 75% LTV | 5.19%fixed | 6.4% | £600 Purchase None None | 75% |
|
| First Homes 5 year discount 65% LTV | 5.34%discounted | 6.1% | £600 Purchase £850 Remortgage | 65% |
|
| First Homes Fixed rate until 29 January 2027 65% LTV | 5.29%fixed | 6.5% | £600 Purchase £850 Remortgage | 65% |
|
| Fixed rate until 29 January 2027 75% LTV | 5.29%fixed | 6.5% | £300 Purchase £550 Remortgage | 75% |
|
| Fixed rate until 29 January 2027 85% LTV | 5.79%fixed | 6.7% | £300 Purchase £550 Remortgage | 85% |
|
| Fixed rate until 29 January 2027 90% LTV | 5.99%fixed | 6.8% | £300 Purchase £550 Remortgage | 90% |
|
| Fixed rate until 29 January 2029 75% LTV | 4.99%fixed | 5.9% | £300 Purchase £550 Remortgage | 75% |
|
| Fixed rate until 29 March 2026 75% LTV | 5.59%fixed | 6.8% | £600 Purchase £850 Remortgage | 75% |
|
| Help to Buy 5 year discount 75% LTV | 5.34%discounted | 6.1% | £850 Remortgage None None | 75% |
|
| Help to Buy fixed rate until 29 January 2027 75% LTV | 5.29%fixed | 6.5% | £850 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 January 2026 85% LTV | 6.14%fixed | 7.0% | £0 None None None | 85% |
|
| Shared Ownership fixed rate until 29 January 2026 95% LTV | 6.24%fixed | 7.1% | £0 None None None | 95% |
|
| Shared Ownership fixed rate until 29 November 2026 85% LTV | 5.89%fixed | 7.0% | £0 None None None | 85% |
|
| Shared Ownership fixed rate until 29 November 2026 95% LTV | 5.99%fixed | 7.0% | £0 None None None | 95% |
|
| Shared Ownership fixed rate until 29 November 2028 95% LTV | 5.89%fixed | 6.8% | £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.
