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Compare first time buyer mortgages

We have found 702 mortgage deals that offer an LTV of 75% over an initial deal period of 2 years.

These deals are for people who are buying a home for the first time.

The APRC rate (Annual Percentage Rate of Charge) is the total cost of the credit to the consumer, expressed as an annual percentage of the total amount of credit. How is this calculated?

£12,280 £502 1.54% 4.74% 75.0%
Norwich and Peterborough Building Society Fixed 1.54% for 2 years

Norwich and Peterborough Building Society Fixed 1.54% for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £204,287.38. Includes interest of £78,868.38, Valuation fee of £224, Booking fee of £0 and Administration fee of £195. Repayments: 24 monthly repayments of £502.27 at 1.54% (fixed), then 276 monthly repayments of £694.98 at 4.74% (variable).

£12,298 £511 1.69% 3.99% 75.0%
West Brom Building Society 2.3% discount until 28/02/2019

West Brom Building Society 2.3% discount until 28/02/2019

Assumed borrowing of £125,000 over 25 years, representative 3.7% APRC. Total amount payable: £191,237.10. Includes interest of £66,237.10, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 23 monthly repayments of £511.16 at 1.69% (variable), then 277 monthly repayments of £647.94 at 3.99% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,303 £511 1.69% 3.74% 75.0% 57%Fair
TSB BOE +1.44% until 28/02/2019

TSB BOE +1.44% until 28/02/2019

Assumed borrowing of £125,000 over 25 years, representative 3.5% APRC. Total amount payable: £187,216.80. Includes interest of £61,866.80, Valuation fee of £350, Booking fee of £0 and Administration fee of £0. Repayments: 23 monthly repayments of £511.16 at 1.69% (variable), then 277 monthly repayments of £632.17 at 3.74% (variable).

£12,312 £512 1.7% 4.74% 75.0%
Principality Building Society Fixed 1.7% until 28/02/2019

Principality Building Society Fixed 1.7% until 28/02/2019

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £204,732.04. Includes interest of £79,732.04, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 23 monthly repayments of £511.75 at 1.70% (fixed), then 277 monthly repayments of £696.61 at 4.74% (variable).

£12,364 £514 1.74% 3.89% 75.0%
Tesco Bank Fixed 1.74% until 30/04/2019

Tesco Bank Fixed 1.74% until 30/04/2019

Assumed borrowing of £125,000 over 25 years, representative 3.6% APRC. Total amount payable: £189,394.97. Includes interest of £64,119.97, Valuation fee of £275, Booking fee of £0 and Administration fee of £0. Repayments: 25 monthly repayments of £514.14 at 1.74% (fixed), then 275 monthly repayments of £640.97 at 3.89% (variable).

£12,369 £514 1.74% 3.69% 75.0% 66%Good
HSBC Fixed 1.74% until 31/03/2019

HSBC Fixed 1.74% until 31/03/2019

Assumed borrowing of £125,000 over 25 years, representative 3.4% APRC. Total amount payable: £185,913.51. Includes interest of £60,913.51, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £514.14 at 1.74% (fixed), then 276 monthly repayments of £628.89 at 3.69% (variable).

£12,374 £514 1.74% 4.49% 75.0% 60%Fair
Santander Fixed 1.74% until 02/05/2019

Santander Fixed 1.74% until 02/05/2019

Assumed borrowing of £125,000 over 25 years, representative 4.1% APRC. Total amount payable: £199,313.71. Includes interest of £74,313.71, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 26 monthly repayments of £514.14 at 1.74% (fixed), then 274 monthly repayments of £678.64 at 4.49% (variable).

£12,384 £515 1.75% 4.74% 80.0%
Principality Building Society Fixed 1.75% until 28/02/2019

Principality Building Society Fixed 1.75% until 28/02/2019

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £204,880.35. Includes interest of £79,880.35, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 23 monthly repayments of £514.74 at 1.75% (fixed), then 277 monthly repayments of £696.90 at 4.74% (variable).

£12,389 £514 1.74% 4.5% 80.0%
Progressive Building Society  2.76% discount for 2 years

Progressive Building Society 2.76% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.1% APRC. Total amount payable: £200,150.91. Includes interest of £75,150.91, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £514.14 at 1.74% (variable), then 276 monthly repayments of £680.48 at 4.50% (variable).

  1. This deal is not available across the whole of the UK. Check the product details for more information.
  2. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,411 £517 1.79% 5.34% 75.0%
Accord Mortgages Fixed 1.79% until 30/04/2019

Accord Mortgages Fixed 1.79% until 30/04/2019

Assumed borrowing of £125,000 over 25 years, representative 4.8% APRC. Total amount payable: £215,274.11. Includes interest of £90,274.11, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 25 monthly repayments of £517.13 at 1.79% (fixed), then 275 monthly repayments of £735.80 at 5.34% (variable).

£12,411 £517 1.79% 4.74% 75.0% 62%Good
Chelsea Building Society Fixed 1.79% until 31/01/2019

Chelsea Building Society Fixed 1.79% until 31/01/2019

Assumed borrowing of £125,000 over 25 years, representative 4.4% APRC. Total amount payable: £205,358.21. Includes interest of £80,358.21, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 22 monthly repayments of £517.13 at 1.79% (fixed), then 278 monthly repayments of £697.77 at 4.74% (variable).

£12,426 £517 1.79% 4.49% 75.0%
Platform Fixed 1.79% until 30/04/2019

Platform Fixed 1.79% until 30/04/2019

Assumed borrowing of £125,000 over 25 years, representative 4.1% APRC. Total amount payable: £199,800.36. Includes interest of £74,800.36, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 25 monthly repayments of £517.13 at 1.79% (fixed), then 275 monthly repayments of £679.53 at 4.49% (variable).

£12,439 £505 1.59% 4.49% 75.0%
Platform Fixed 1.59% until 30/04/2019

Platform Fixed 1.59% until 30/04/2019

Assumed borrowing of £125,000 over 25 years, representative 4.1% APRC. Total amount payable: £199,465.34. Includes interest of £74,166.34, Valuation fee of £0, Booking fee of £0 and Administration fee of £299. Repayments: 25 monthly repayments of £505.22 at 1.59% (fixed), then 275 monthly repayments of £678.31 at 4.49% (variable).

£12,441 £517 1.79% 4.74% 75.0%
Norwich and Peterborough Building Society Fixed 1.79% for 2 years

Norwich and Peterborough Building Society Fixed 1.79% for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £204,640.91. Includes interest of £79,640.91, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £517.13 at 1.79% (fixed), then 276 monthly repayments of £696.48 at 4.74% (variable).