First time buyers

Buying a home is the single biggest purchase you'll ever make, so it’s important to get it right.

Our range of mortgages include products designed to help you own your first home, including:

Shared Ownership

This scheme offers a blend of buying and renting. You purchase a share of a property (usually between 25% and 75%) and pay rent on the remaining portion. It’s a great way to get on the property ladder with a smaller deposit.

Want to learn more? Visit our Shared Ownership page.

First Homes Scheme

Launched in 2021, the First Homes scheme offers new build homes at a discount—typically 30%—to help local first-time buyers and key workers stay in their communities. You can find out more about the First Homes Scheme, and how to apply, on the government’s Own Your Home website.

Why choose us?

We have Shared Ownership mortgage products with a minimum 5% deposit*.
We accept gifted deposits for first time buyers.
We guarantee you will always be able to have a free, no obligation meeting to discuss your needs with a person, not a computer. We can also arrange telephone or video appointments to suit you.
We will consider your previous and current circumstances.

*Please note: 5% deposit mortgages are available on Shared Ownership mortgages only. These are not part of the government’s Mortgage Guarantee Scheme.

Shared Ownership First Homes Scheme Help to Buy Equity Loan remortgage

Mortgages for first time buyers

Product name:	Initial rate:	APRC:	Product fees:	Max LTV:
3 year discount View 3 year discount	4.74% variable	5.9% APRC	£850 purchase £850 remortgage £0 Existing borrower transfer	90%
3 year discount View 3 year discount	4.64% variable	5.8% APRC	£850 purchase £850 remortgage £0 Existing borrower transfer	85%
3 year discount View 3 year discount	4.04% variable	5.7% APRC	£850 purchase £850 remortgage	75%
First Homes 3 year discount View First Homes 3 year discount	4.04% variable	5.7% APRC	£850 purchase £850 remortgage	65%
Made to Measure 3 year discount View Made to Measure 3 year discount	4.34% variable	5.8% APRC	£850 purchase £850 remortgage £0 Existing borrower transfer	75%
Made to Measure fixed rate until 29 December 2028 View Made to Measure fixed rate until 29 December 2028	5.04% fixed until 29 December 2028	6.0% APRC	£850 purchase £850 remortgage £0 Existing borrower transfer	75%
Shared Ownership fixed rate until 29 November 2028 View Shared Ownership fixed rate until 29 November 2028	4.45% fixed until 29 November 2028	5.9% APRC	£0 purchase £0 remortgage	85%
Shared Ownership fixed rate until 29 January 2028 View Shared Ownership fixed rate until 29 January 2028	4.65% fixed until 29 January 2028	6.1% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	85%
Shared Ownership fixed rate until 29 January 2028 View Shared Ownership fixed rate until 29 January 2028	4.69% fixed until 29 January 2028	6.1% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	95%
Shared Ownership fixed rate until 29 November 2028 View Shared Ownership fixed rate until 29 November 2028	4.65% fixed until 29 November 2028	5.9% APRC	£0 purchase £0 remortgage	95%
Shared Ownership fixed rate until 29 November 2030 View Shared Ownership fixed rate until 29 November 2030	4.65% fixed until 29 November 2030	5.7% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	95%
Shared Ownership 3 year discount View Shared Ownership 3 year discount	4.4% variable	5.9% APRC	£0 purchase £0 remortgage	95%

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First time buyers

Shared Ownership

First Homes Scheme

Why choose us?

3 year discount

3 year discount

3 year discount

First Homes 3 year discount

Made to Measure 3 year discount

Made to Measure fixed rate until 29 December 2028

Shared Ownership fixed rate until 29 November 2028

Shared Ownership fixed rate until 29 January 2028

Shared Ownership fixed rate until 29 January 2028

Shared Ownership fixed rate until 29 November 2028

Shared Ownership fixed rate until 29 November 2030

Shared Ownership 3 year discount

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First time buyers

Shared Ownership

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Why choose us?

Book a mortgage appointment

Mortgages for first time buyers

3 year discount

3 year discount

3 year discount

First Homes 3 year discount

Made to Measure 3 year discount

Made to Measure fixed rate until 29 December 2028

Shared Ownership fixed rate until 29 November 2028

Shared Ownership fixed rate until 29 January 2028

Shared Ownership fixed rate until 29 January 2028

Shared Ownership fixed rate until 29 November 2028

Shared Ownership fixed rate until 29 November 2030

Shared Ownership 3 year discount

First time buyers guide

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Shared Ownership mortgages

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