Best first time buyer mortgage

First time buyer mortgages offer some great deals. Our Best Buy table below gives you a quick reference of the most competitive first time buyer mortgages in the UK.

Broker
Recommendations

Best Broker Mortgages

Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
First Time Buyer Mortgage 3.45% - SVR minus 1.99% for 3 years (90%) 5.44% Variable for term 5.10% APR 3% for 3 years

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First Time Buyer Mortgage 3.54% Fixed until 31/05/2015 (85%) 5.99% Variable for term 5.70% APR 3% until 31/05/2015

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First Time Buyer Mortgage 3.99% - SVR minus 1.50% for 2 years (90%) 5.49% Variable for term 5.69% APR 1% for 2 years

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First Time Buyer Mortgage 4.14% Fixed until 31/05/2015 (90%) 5.99% Variable for term 5.70% APR 3% until 31/05/2015

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First Time Buyer Mortgage 4.34% Fixed for 3 years (90%) 3.99% Variable for term 4.30% APR 4% to last day of month in 3 years

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First Time Buyer Mortgage 4.44% Fixed until 31/05/2018 (90%) 5.99% Variable for term 5.70% APR 5/5/5/4/3% until 31/05/2018

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First Time Buyer Mortgage 4.59% Fixed until 30/06/2016 (90%) 5.95% Variable for term 5.40% APR 3/2/2% until 30/06/2016

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First Time Buyer Mortgage 4.75% Fixed until 30/06/2018 (90%) 4.49% Variable for term 5.20% APR 3% until 30/06/2018

Details and Apply

First Time Buyer Mortgage 4.79% - Bank Base Rate plus 4.29% for 3 years (90%) 4.74% Variable for term 4.79% APR 2% for 3 years

Details and Apply

* All mortgage calculations and APRs are based on a £150,000 repayment mortgage at 75% loan to value over 25 years. Should you require different mortgage calculations then please call one of our independent mortgage advisers.

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Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FCA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.