Incredible mortgage deals for first time buyers

Discover real-time information on the most competitive first time buyer mortgage rates in the UK. Get to know what a good mortgage deal for a first time buyer looks like.

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Halifax
Initial Payment£1,447
TypeFixed
Initial Pay Rate4.87%
Monthly Payment After Initial Period£1,774
Deposit Amount£250,000
APRC6.8%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.87%, the initial monthly payment would be £1,447 the total mortgage application fees would be £1,099, the total cost of the loan would be £519,753.

If you borrowed £250,000 at an interest rate of 4.87% for 25 years, your monthly repayments would be: £1446.91

Halifax
Initial Payment£1,447
TypeFixed
Initial Pay Rate4.87%
Monthly Payment After Initial Period£1,774
Deposit Amount£250,000
APRC6.8%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.87%, the initial monthly payment would be £1,447 the total mortgage application fees would be £1,099, the total cost of the loan would be £519,753.

If you borrowed £250,000 at an interest rate of 4.87% for 25 years, your monthly repayments would be: £1446.91

Halifax
Initial Payment£1,450
TypeFixed
Initial Pay Rate4.89%
Monthly Payment After Initial Period£1,749
Deposit Amount£250,000
APRC6.5%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.89%, the initial monthly payment would be £1,450 the total mortgage application fees would be £1,099, the total cost of the loan would be £506,322.

If you borrowed £250,000 at an interest rate of 4.89% for 25 years, your monthly repayments would be: £1449.82

Halifax
Initial Payment£1,450
TypeFixed
Initial Pay Rate4.89%
Monthly Payment After Initial Period£1,749
Deposit Amount£250,000
APRC6.5%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.89%, the initial monthly payment would be £1,450 the total mortgage application fees would be £1,099, the total cost of the loan would be £506,322.

If you borrowed £250,000 at an interest rate of 4.89% for 25 years, your monthly repayments would be: £1449.82

Santander UK Plc
Initial Payment£1,451
TypeFixed
Initial Pay Rate4.9%
Monthly Payment After Initial Period£1,669
Deposit Amount£250,000
APRC6.2%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.9%, the initial monthly payment would be £1,451 the total mortgage application fees would be £1,224, the total cost of the loan would be £492,294.

If you borrowed £250,000 at an interest rate of 4.9% for 25 years, your monthly repayments would be: £1451.27

Santander UK Plc
Initial Payment£1,451
TypeFixed
Initial Pay Rate4.9%
Monthly Payment After Initial Period£1,669
Deposit Amount£250,000
APRC6.2%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.9%, the initial monthly payment would be £1,451 the total mortgage application fees would be £1,224, the total cost of the loan would be £492,294.

If you borrowed £250,000 at an interest rate of 4.9% for 25 years, your monthly repayments would be: £1451.27

Santander UK Plc
Initial Payment£1,451
TypeFixed
Initial Pay Rate4.9%
Monthly Payment After Initial Period£1,669
Deposit Amount£250,000
APRC6.2%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.9%, the initial monthly payment would be £1,451 the total mortgage application fees would be £1,224, the total cost of the loan would be £492,294.

If you borrowed £250,000 at an interest rate of 4.9% for 25 years, your monthly repayments would be: £1451.27

Santander UK Plc
Initial Payment£1,451
TypeFixed
Initial Pay Rate4.9%
Monthly Payment After Initial Period£1,669
Deposit Amount£250,000
APRC6.2%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.9%, the initial monthly payment would be £1,451 the total mortgage application fees would be £1,224, the total cost of the loan would be £492,294.

If you borrowed £250,000 at an interest rate of 4.9% for 25 years, your monthly repayments would be: £1451.27

Halifax
Initial Payment£1,451
TypeFixed
Initial Pay Rate4.9%
Monthly Payment After Initial Period£1,786
Deposit Amount£250,000
APRC7.1%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.9%, the initial monthly payment would be £1,451 the total mortgage application fees would be £1,099, the total cost of the loan would be £527,186.

If you borrowed £250,000 at an interest rate of 4.9% for 25 years, your monthly repayments would be: £1451.27

Halifax
Initial Payment£1,451
TypeFixed
Initial Pay Rate4.9%
Monthly Payment After Initial Period£1,786
Deposit Amount£250,000
APRC7.1%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.9%, the initial monthly payment would be £1,451 the total mortgage application fees would be £1,099, the total cost of the loan would be £527,186.

If you borrowed £250,000 at an interest rate of 4.9% for 25 years, your monthly repayments would be: £1451.27

Santander UK Plc
Initial Payment£1,457
TypeFixed
Initial Pay Rate4.92%
Monthly Payment After Initial Period£1,680
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.92%, the initial monthly payment would be £1,457 the total mortgage application fees would be £1,724, the total cost of the loan would be £498,195.

If you borrowed £250,000 at an interest rate of 4.92% for 25 years, your monthly repayments would be: £1457.07

Santander UK Plc
Initial Payment£1,457
TypeFixed
Initial Pay Rate4.92%
Monthly Payment After Initial Period£1,680
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.92%, the initial monthly payment would be £1,457 the total mortgage application fees would be £1,724, the total cost of the loan would be £498,195.

If you borrowed £250,000 at an interest rate of 4.92% for 25 years, your monthly repayments would be: £1457.07

Santander UK Plc
Initial Payment£1,457
TypeFixed
Initial Pay Rate4.92%
Monthly Payment After Initial Period£1,680
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.92%, the initial monthly payment would be £1,457 the total mortgage application fees would be £1,724, the total cost of the loan would be £498,195.

If you borrowed £250,000 at an interest rate of 4.92% for 25 years, your monthly repayments would be: £1457.07

Santander UK Plc
Initial Payment£1,457
TypeFixed
Initial Pay Rate4.92%
Monthly Payment After Initial Period£1,680
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.92%, the initial monthly payment would be £1,457 the total mortgage application fees would be £1,724, the total cost of the loan would be £498,195.

If you borrowed £250,000 at an interest rate of 4.92% for 25 years, your monthly repayments would be: £1457.07

Santander UK Plc
Initial Payment£1,459
TypeFixed
Initial Pay Rate4.93%
Monthly Payment After Initial Period£1,656
Deposit Amount£250,000
APRC6.1%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.93%, the initial monthly payment would be £1,459 the total mortgage application fees would be £1,724, the total cost of the loan would be £484,632.

If you borrowed £250,000 at an interest rate of 4.93% for 25 years, your monthly repayments would be: £1458.53

Santander UK Plc
Initial Payment£1,459
TypeFixed
Initial Pay Rate4.93%
Monthly Payment After Initial Period£1,656
Deposit Amount£250,000
APRC6.1%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.93%, the initial monthly payment would be £1,459 the total mortgage application fees would be £1,724, the total cost of the loan would be £484,632.

If you borrowed £250,000 at an interest rate of 4.93% for 25 years, your monthly repayments would be: £1458.53

Santander UK Plc
Initial Payment£1,459
TypeFixed
Initial Pay Rate4.93%
Monthly Payment After Initial Period£1,656
Deposit Amount£250,000
APRC6.1%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.93%, the initial monthly payment would be £1,459 the total mortgage application fees would be £1,724, the total cost of the loan would be £484,632.

If you borrowed £250,000 at an interest rate of 4.93% for 25 years, your monthly repayments would be: £1458.53

Santander UK Plc
Initial Payment£1,459
TypeFixed
Initial Pay Rate4.93%
Monthly Payment After Initial Period£1,656
Deposit Amount£250,000
APRC6.1%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.93%, the initial monthly payment would be £1,459 the total mortgage application fees would be £1,724, the total cost of the loan would be £484,632.

If you borrowed £250,000 at an interest rate of 4.93% for 25 years, your monthly repayments would be: £1458.53

Santander UK Plc
Initial Payment£1,460
TypeFixed
Initial Pay Rate4.96%
Monthly Payment After Initial Period£1,654
Deposit Amount£250,000
APRC6%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.96%, the initial monthly payment would be £1,460 the total mortgage application fees would be £1,224, the total cost of the loan would be £484,137.

If you borrowed £250,000 at an interest rate of 4.96% for 25 years, your monthly repayments would be: £1460

Santander UK Plc
Initial Payment£1,460
TypeFixed
Initial Pay Rate4.96%
Monthly Payment After Initial Period£1,654
Deposit Amount£250,000
APRC6%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.96%, the initial monthly payment would be £1,460 the total mortgage application fees would be £1,224, the total cost of the loan would be £484,137.

If you borrowed £250,000 at an interest rate of 4.96% for 25 years, your monthly repayments would be: £1460

Santander UK Plc
Initial Payment£1,460
TypeFixed
Initial Pay Rate4.96%
Monthly Payment After Initial Period£1,654
Deposit Amount£250,000
APRC6%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.96%, the initial monthly payment would be £1,460 the total mortgage application fees would be £1,224, the total cost of the loan would be £484,137.

If you borrowed £250,000 at an interest rate of 4.96% for 25 years, your monthly repayments would be: £1460

Santander UK Plc
Initial Payment£1,460
TypeFixed
Initial Pay Rate4.96%
Monthly Payment After Initial Period£1,654
Deposit Amount£250,000
APRC6%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.96%, the initial monthly payment would be £1,460 the total mortgage application fees would be £1,224, the total cost of the loan would be £484,137.

If you borrowed £250,000 at an interest rate of 4.96% for 25 years, your monthly repayments would be: £1460

Halifax
Initial Payment£1,454
TypeFixed
Initial Pay Rate4.96%
Monthly Payment After Initial Period£1,744
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.96%, the initial monthly payment would be £1,454 the total mortgage application fees would be £100, the total cost of the loan would be £505,420.

If you borrowed £250,000 at an interest rate of 4.96% for 25 years, your monthly repayments would be: £1454.19

Halifax
Initial Payment£1,454
TypeFixed
Initial Pay Rate4.96%
Monthly Payment After Initial Period£1,744
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.96%, the initial monthly payment would be £1,454 the total mortgage application fees would be £100, the total cost of the loan would be £505,420.

If you borrowed £250,000 at an interest rate of 4.96% for 25 years, your monthly repayments would be: £1454.19

NatWest
Initial Payment£1,464
TypeFixed
Initial Pay Rate4.98%
Monthly Payment After Initial Period£1,686
Deposit Amount£250,000
APRC6.2%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.98%, the initial monthly payment would be £1,464 the total mortgage application fees would be £1,025, the total cost of the loan would be £491,948.

If you borrowed £250,000 at an interest rate of 4.98% for 25 years, your monthly repayments would be: £1464.37

NatWest
Initial Payment£1,467
TypeFixed
Initial Pay Rate4.98%
Monthly Payment After Initial Period£1,690
Deposit Amount£250,000
APRC6.3%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.98%, the initial monthly payment would be £1,467 the total mortgage application fees would be £1,525, the total cost of the loan would be £492,928.

If you borrowed £250,000 at an interest rate of 4.98% for 25 years, your monthly repayments would be: £1467.29

Halifax
Initial Payment£1,457
TypeFixed
Initial Pay Rate4.98%
Monthly Payment After Initial Period£1,768
Deposit Amount£250,000
APRC6.8%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.98%, the initial monthly payment would be £1,457 the total mortgage application fees would be £100, the total cost of the loan would be £518,801.

If you borrowed £250,000 at an interest rate of 4.98% for 25 years, your monthly repayments would be: £1457.09

Halifax
Initial Payment£1,457
TypeFixed
Initial Pay Rate4.98%
Monthly Payment After Initial Period£1,768
Deposit Amount£250,000
APRC6.8%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.98%, the initial monthly payment would be £1,457 the total mortgage application fees would be £100, the total cost of the loan would be £518,801.

If you borrowed £250,000 at an interest rate of 4.98% for 25 years, your monthly repayments would be: £1457.09

Santander UK Plc
Initial Payment£1,464
TypeFixed
Initial Pay Rate4.99%
Monthly Payment After Initial Period£1,678
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.99%, the initial monthly payment would be £1,464 the total mortgage application fees would be £1,224, the total cost of the loan would be £497,686.

If you borrowed £250,000 at an interest rate of 4.99% for 25 years, your monthly repayments would be: £1464.37

Santander UK Plc
Initial Payment£1,464
TypeFixed
Initial Pay Rate4.99%
Monthly Payment After Initial Period£1,678
Deposit Amount£250,000
APRC6.4%

Representative Example

For example, on a mortgage of £250,000 over a term of 25 years on an interest rate of 4.99%, the initial monthly payment would be £1,464 the total mortgage application fees would be £1,224, the total cost of the loan would be £497,686.

If you borrowed £250,000 at an interest rate of 4.99% for 25 years, your monthly repayments would be: £1464.37

Because we play by the book we want to tell you that...

Your home may be repossessed if you do not keep up with your mortgage repayments. There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1%, but a typical fee is £499.

VIEW FULL FEE DETAILS
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