Mortgage

First-Time Buyers

Chat to our friendly team to understand how much you can borrow and get free, no-obligation advice on buying your first home.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

First-Time Buyers

Buying your first home can be easy when you’ve got us on your side. With as little as a 5% deposit, make owning your own home a reality.

Fixed Rate Mortgages

(F413) 3 year 4.59% Fixed until 30.06.2027

Initial rate

4.59%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.20% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

£499

Early repayment charge

Yes

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(F414) 5 year 4.49% Fixed until 30.06.2029

Initial rate

4.49%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

6.70% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

£999

Early repayment charge

Yes

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(F418) 5 year 4.69% Fixed until 30.06.2029

Initial rate

4.69%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

6.60% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Arrangement Fee

No fee

Early repayment charge

Yes

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(F415) 5 year 4.84% Fixed until 30.06.2029

Initial rate

4.84%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

6.90% APRC

Maximum loan to value (LTV)

90%

Incentives

Yes

Arrangement Fee

No fee

Early repayment charge

Yes

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(F416) 5 year 5.14% Fixed until 30.06.2029

Initial rate

5.14%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.00% APRC

Maximum loan to value (LTV)

95%

Incentives

Yes

Arrangement Fee

No fee

Early repayment charge

Yes

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(FH06) 5 Year 4.99% Fixed until 30.06.2029 Head Start

Initial rate

4.99%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.00% APRC

Maximum loan to value (LTV)

100%

Incentives

None

Arrangement Fee

No fee

Early repayment charge

Yes

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Discount Mortgages

(D157) 2 Year 2.40% Discount

Initial rate

5.70%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.90% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Arrangement Fee

£499

Early repayment charge

Yes

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(D158) 3 Year 2.45% Discount

Initial rate

5.65%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

7.60% APRC

Maximum loan to value (LTV)

80%

Incentives

Yes

Arrangement Fee

£499

Early repayment charge

Yes

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(LD03) 1.65% Lifetime Discount

Initial rate

6.45%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

6.70% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Arrangement Fee

0.30%*

Early repayment charge

Yes

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* of the loan amount

(DH01) 2.70% Lifetime Discount Head Start

Initial rate

5.40%

Subsequent Rate (SVR)

8.10%

Overall cost for comparison

5.60% APRC

Maximum loan to value (LTV)

100%

Incentives

None

Arrangement Fee

No fee

Early repayment charge

Yes

View

3 easy ways to apply

Apply online

ENQUIRE ONLINE

Complete our quick online enquiry form and we'll get back to you within one working day.

ENQUIRE ONLINE
Apply in branch

APPLY IN BRANCH

Arrange to meet an expert Mortgage Adviser in one of our six branches.

BRANCH FINDER
Apply by phone

Apply By Phone

0161 429 4318

Monday-Friday

08.45-17.00

Need help getting on the property ladder?

One great option to help you get on the property ladder is a Joint Borrower Sole Proprietor Mortgage (JBSP). It's a type of mortgage designed to help first-time buyers and those struggling to get on the property ladder, who need help from a close relative to take out a mortgage. A relative can help by contributing financially, without gaining a part ownership on the property.

Our friendly Mortgage Team can talk you through your options.

Help Centre

Got a question about mortgages?

Visit our Help Centre for answers to mortgage frequently asked questions, important leaflets and guides.

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Help Centre

Mortgage Jargon Buster

Don't get bamboozled by Mortgages. We've pulled together a list of useful terms to help you out.


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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE