First time buyers

Buying a home is one of the biggest financial decisions you’ll ever make—so it’s important to get it right.

We’re here to make the process simple and stress-free. Our range of first-time buyer mortgage products includes options designed to help you take that first step onto the property ladder.

Whether that's on your own, with a partner, or with help from family, we can help. We are also able to help if you are buying through schemes including Shared Ownership and the First Homes Scheme.

Why choose us?

Low deposit – our Shared Ownership mortgages are available with just 5% deposit.
Gifted Deposits are accepted – making it easier for family to help you get started.
Personalised advice – No obligation meetings with a real person—not a computer.
Flexible appointments – speak to us in person, by phone, or via video call—whatever works for you.
Expert guidance – our mortgage advisers will guide you through every step, from application to completion.

Ready to buy your first home?

Start your journey today—explore our mortgage options below and book your appointment to speak to us.

Shared Ownership First Homes Scheme

Mortgages for first time buyers

Product name:	Initial rate:	APRC:	Product fees:	Max LTV:
3 year discount View 3 year discount	4.04% variable	5.7% APRC	£850 purchase £850 remortgage	75%
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	4.74% variable	5.9% APRC	£850 purchase £850 remortgage £0 Existing borrower transfer	90%
Fixed rate until 29 December 2028 View Fixed rate until 29 December 2028	5.39% fixed until 29 December 2028	6.1% APRC	£850 purchase £850 remortgage £0 Existing borrower transfer	90%
First Homes 3 year discount View First Homes 3 year discount	4.04% variable	5.7% APRC	£850 purchase £850 remortgage	65%
Shared Ownership 3 year discount View Shared Ownership 3 year discount	4.4% variable	5.9% APRC	£0 purchase £0 remortgage	95%
Shared Ownership fixed rate until 29 January 2029 View Shared Ownership fixed rate until 29 January 2029	4.55% fixed until 29 January 2029	5.9% APRC	£0 purchase £0 remortgage	90%
Shared Ownership fixed rate until 29 March 2028 View Shared Ownership fixed rate until 29 March 2028	4.59% fixed until 29 March 2028	6.0% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	90%
Shared Ownership fixed rate until 29 January 2031 View Shared Ownership fixed rate until 29 January 2031	4.65% fixed until 29 January 2031	5.7% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	95%
Shared Ownership fixed rate until 29 January 2029 View Shared Ownership fixed rate until 29 January 2029	4.65% fixed until 29 January 2029	5.9% APRC	£0 purchase £0 remortgage	95%
Made to Measure fixed rate until 29 December 2028 View Made to Measure fixed rate until 29 December 2028	4.99% fixed until 29 December 2028	6.0% APRC	£850 purchase £850 remortgage £0 Existing borrower transfer	75%
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%

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What do you want to do?

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First time buyers

Buying a home is one of the biggest financial decisions you’ll ever make—so it’s important to get it right.

Why choose us?

Ready to buy your first home?

3 year discount

3 year discount

3 year discount

Fixed rate until 29 December 2028

First Homes 3 year discount

Shared Ownership 3 year discount

Shared Ownership fixed rate until 29 January 2029

Shared Ownership fixed rate until 29 March 2028

Shared Ownership fixed rate until 29 January 2031

Shared Ownership fixed rate until 29 January 2029

Made to Measure fixed rate until 29 December 2028

Made to Measure 3 year discount

Need some help?

New to Newbury?

What do you want to do?

Book a mortgage appointment

Discover how much you could borrow

Use our buy-to-let calculator

Calculate your monthly payments

Already have a mortgage with us?

What do you want to do?

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Get involved

First time buyers

Buying a home is one of the biggest financial decisions you’ll ever make—so it’s important to get it right.

Why choose us?

Ready to buy your first home?

Book a mortgage appointment

Mortgages for first time buyers

3 year discount

3 year discount

3 year discount

Fixed rate until 29 December 2028

First Homes 3 year discount

Shared Ownership 3 year discount

Shared Ownership fixed rate until 29 January 2029

Shared Ownership fixed rate until 29 March 2028

Shared Ownership fixed rate until 29 January 2031

Shared Ownership fixed rate until 29 January 2029

Made to Measure fixed rate until 29 December 2028

Made to Measure 3 year discount

First time buyers guide

Mortgage glossary

How much can I borrow?

Shared Ownership mortgages

Need some help?

Book a mortgage appointment

Contact us

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