We're here to save you money and time too! Use our mortgage finder below then call our qualified advisers for a more personalised search of the market and advice. We’ll make sure you qualify for any deal before you apply. Not only that, you'll get expert support throughout the whole mortgage process
When compiling our first time buyer best buy tables we choose the best first time buyer mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best first time buyer mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.
By choosing L&C to find your next first time buyer mortgage deal our advisers will research the market for you, looking at criteria, set up fees and the rate to get the best first time buyer mortgage deal for your circumstances, saving you time and effort. Our best buy tables below show you the pick of the first time buyer mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage.
Comparing mortgages isn’t easy. Sometimes deals look attractive because they have a low initial rate, but you also need to take into account any fees that come with the mortgage deal. We recommend annual cost as the best way to see which mortgage deal offers the best value for the size of mortgage you’re looking to take.
This is how we calculate the annual cost:
By comparing mortgage deals looking at annual cost you can see which one would be cheapest for you taking into account fees as well as the interest rate. The annual cost only applies to the initial deal as its always best to consider switching once the initial deal is over to see if you could save money.
This is the representative APRC provided by the lender
Who is lending the money and what sort of mortgage is it.
The rate you will pay at the start of your mortgage.
Your monthly payment when your mortgage starts, based on the loan amount you entered.
The total of the lender's booking, arrangement and valuation fees.
The annualised cost of this mortgage.