Best Mortgage Rates

First time on the property ladder? Our independent experts compare the whole market to find the best mortgages for first time buyers; selected specially for their smaller deposits, higher LTV's and lower application fees.

First Time Buyer

Rate

3.30% Reverting to 4.74%

APRC

4.6%

Mortgage Type

Fixed

Period

30/11/2019

Max LTV

95%

Redemption

To 30/11/2019

Product Fee: Completion £995
Rate

3.67% Reverting to 5.39%

APRC

4.9%

Mortgage Type

Fixed

Period

31/12/2022

Max LTV

95%

Redemption

To 31/12/2022

Product Fee: -
Rate

3.99% Reverting to 5.19%

APRC

4.9%

Mortgage Type

Fixed

Period

31/12/2022

Max LTV

95%

Redemption

To 31/12/2022

Product Fee: -
Rate

3.69% Reverting to 5.19%

APRC

5.1%

Mortgage Type

Fixed

Period

31/12/2019

Max LTV

95%

Redemption

To 31/12/2019

Product Fee: -
Rate

2.94% Reverting to 4.70%

APRC

4.4%

Mortgage Type

Discounted Variable

Period

3 years

Max LTV

95%

Redemption

1st 3 yrs:

Product Fee: -
Rate

2.85% Reverting to 4.94%

APRC

4.8%

Mortgage Type

Discounted Variable

Period

2 years

Max LTV

95%

Redemption

1st 2 yrs:

Product Fee: Booking £250

Sponsored Products

Rate

2.79% Reverting to 3.69%

APRC

3.4%

Mortgage Type

Fixed

Period

5 years

Max LTV

90%

Redemption

1st 5 yrs:

Product Fee: Booking £725
Rate

2.09% Reverting to 3.74%

APRC

3.6%

Mortgage Type

Fixed

Period

2 years

Max LTV

90%

Redemption

1st 2 yrs:

Product Fee: Reservation £999
Rate

1.68% Reverting to 4.24%

APRC

3.8%

Mortgage Type

Fixed

Period

30/11/2019

Max LTV

85%

Redemption

To 30/11/2019

Product Fee: Arrangement £295
Rate

2.41% Reverting to 3.75%

APRC

3.9%

Mortgage Type

Fixed

Period

30/11/2019

Max LTV

90%

Redemption

To 30/11/2019

Product Fee: Booking £995
Rate

3.58% Reverting to 3.75%

APRC

4.0%

Mortgage Type

Fixed

Period

30/11/2022

Max LTV

85%

Redemption

To 30/11/2022

Product Fee: -
Rate

1.94% Reverting to 3.69%

APRC

3.5%

Mortgage Type

Fixed

Period

31/12/2019

Max LTV

90%

Redemption

To 31/12/2019

Product Fee: Booking £999
Rate

2.79% Reverting to 4.70%

APRC

4.2%

Mortgage Type

Fixed

Period

30/11/2020

Max LTV

90%

Redemption

1st 3 yrs:

Product Fee: -
Rate

1.99% Reverting to 4.70%

APRC

4.2%

Mortgage Type

Fixed

Period

30/11/2019

Max LTV

85%

Redemption

1st 2 yrs:

Product Fee: -
Rate

3.09% Reverting to 3.74%

APRC

3.7%

Mortgage Type

Fixed

Period

30/11/2019

Max LTV

90%

Redemption

To 30/11/2019

Product Fee: Completion £295


Representative Example: £150,000 mortgage over 25 years initially at 3.69% fixed for 27 months reverting to 5.19% variable for term. 27 monthly payments of £766.31 and 273 monthly payments of £883.70. Total amount payable £262,075.47 includes loan amount, interest of £111,940, valuation fees of £0 and product fees of £0. The overall cost for comparison is 5.0% APRC representative.

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply via Moneyfacts.co.uk today. Products shown with a yellow background are sponsored products.

A sponsored product is a product that has not met the criteria to appear in the best buy tables at that time, but which we may receive a payment to promote below these charts. They are listed with the products we have the best commercial deal with shown first.

Disclaimer:
Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.