Compare first time buyer mortgage deals

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

This is the total amount you have to put towards the purchase of your new property.

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

This is the total amount you have to put towards the purchase of your new property.

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

This is the total amount you have to put towards the purchase of your new property.

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply.

This is the total amount you have to put towards the purchase of your new property.

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

If you aren't sure when your current mortgage deal ends, no problem. Let us know when you're planning to remortgage and we'll make sure you get the right support.

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply so it’s important not to overestimate.

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

LTV is Loan to Value. This is the amount of your mortgage as a percentage of the value of your property and will help determine the deals available to you.

If you'd like to borrow more than your current mortgage amount, e.g. for home improvements, debt consolidation etc, or you don't currently have a mortgage on this property, please answer 'Borrow more'.

If you'd like to reduce your current mortgage balance select 'Borrow less'.

If you want to increase or reduce your overall mortgage term or change to repayment, interest-only or part and part, select 'Change my term and/or repayment type'.

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.

If you aren't sure when your current mortgage deal ends, no problem. Let us know when you're planning to remortgage and we'll make sure you get the right support.

If you've taken a payday loan in the last 2 years or in the last 6 years you've had late payments on credit commitments, had a default or County Court Judgement (CCJ), been bankrupt, entered into an Individual Voluntary Arrangement (IVA) or debt management plan or had a property repossessed please tick yes.

If you're not sure please tell us your best guess. The lender's valuer will verify this when you apply so it’s important not to overestimate.

With a repayment mortgage you'll pay off a little more of the mortgage loan each month, plus interest. You'll have repaid the whole mortgage by the time the term ends.

With an interest-only mortgage, your monthly payments will only pay interest and you must repay the whole mortgage loan when the mortgage term ends.

There are usually more deals available on repayment as these are less risky for lenders. Interest-only mortgages are most common for Buy to Let properties.

‍

Traditionally mortgages were taken over 25 years, but can be anything from 2 years to 40 years.

LTV is Loan to Value. This is the amount of your mortgage as a percentage of the value of your property and will help determine the deals available to you.

If you'd like to borrow more than your current mortgage amount, e.g. for home improvements, debt consolidation etc, or you don't currently have a mortgage on this property, please answer 'Borrow more'.

If you'd like to reduce your current mortgage balance select 'Borrow less'.

If you want to increase or reduce your overall mortgage term or change to repayment, interest-only or part and part, select 'Change my term and/or repayment type'.

A fixed rate mortgage will ensure your monthly payments stay the same within the fixed period of the mortgage deal. Variable rate mortgages reduce or increase your monthly payments in line with base rate changes (tracker rate) or changes to a lender's standard variable rate (discount rate) within the initial period of the mortgage deal.