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Compare first time buyer mortgages

We have found 634 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?

£12,007 £491 1.35% 5.19% 75.0%
Leek United Building Society 3.84% discount for 2 years

Leek United Building Society 3.84% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.7% APRC. Total amount payable: £211,720.91. Includes interest of £86,521.91, Valuation fee of £0, Booking fee of £199 and Administration fee of £0. Repayments: 24 monthly repayments of £491.16 at 1.35% (variable), then 276 monthly repayments of £723.67 at 5.19% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,125 £505 1.59% 3.74% 75.0% 61%Poor
Halifax Intermediaries Fixed 1.59% until 30/06/2019

Halifax Intermediaries Fixed 1.59% until 30/06/2019

Assumed borrowing of £125,000 over 25 years, representative 3.4% APRC. Total amount payable: £186,439.00. Includes interest of £61,084.00, Valuation fee of £355, Booking fee of £0 and Administration fee of £0. Repayments: 25 monthly repayments of £505.22 at 1.59% (fixed), then 275 monthly repayments of £630.74 at 3.74% (variable).

£12,221 £508 1.64% 3.89% 75.0%
Tesco Bank Fixed 1.64% until 31/05/2019

Tesco Bank Fixed 1.64% until 31/05/2019

Assumed borrowing of £125,000 over 25 years, representative 3.6% APRC. Total amount payable: £189,075.61. Includes interest of £64,075.61, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £508.18 at 1.64% (fixed), then 276 monthly repayments of £640.87 at 3.89% (variable).

£12,289 £502 1.53% 4.24% 85.0%
Cumberland Building Society  Fixed 1.53% until 01/05/2019

Cumberland Building Society Fixed 1.53% until 01/05/2019

Assumed borrowing of £125,000 over 25 years, representative 3.9% APRC. Total amount payable: £195,080.09. Includes interest of £69,881.09, Valuation fee of £0, Booking fee of £0 and Administration fee of £199. Repayments: 24 monthly repayments of £501.68 at 1.53% (fixed), then 276 monthly repayments of £662.47 at 4.24% (variable).

  1. This deal is not available across the whole of the UK. Check the product details for more information.
£12,298 £511 1.69% 3.69% 75.0% 67%Fair
HSBC Fixed 1.69% until 30/06/2019

HSBC Fixed 1.69% until 30/06/2019

Assumed borrowing of £125,000 over 25 years, representative 3.4% APRC. Total amount payable: £185,535.07. Includes interest of £60,535.07, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 25 monthly repayments of £511.16 at 1.69% (fixed), then 275 monthly repayments of £628.20 at 3.69% (variable).

£12,298 £511 1.69% 3.99% 75.0%
West Brom Building Society 2.3% discount until 30/04/2019

West Brom Building Society 2.3% discount until 30/04/2019

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.
£12,339 £514 1.74% 3.74% 80.0% 61%Poor
Halifax Intermediaries Fixed 1.74% until 30/06/2019

Halifax Intermediaries Fixed 1.74% until 30/06/2019

Assumed borrowing of £125,000 over 25 years, representative 3.5% APRC. Total amount payable: £186,896.91. Includes interest of £61,541.91, Valuation fee of £355, 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 £631.59 at 3.74% (variable).

£12,345 £482 1.19% 3.69% 75.0% 67%Fair
HSBC Fixed 1.19% until 30/06/2019

HSBC Fixed 1.19% until 30/06/2019

Assumed borrowing of £125,000 over 25 years, representative 3.4% APRC. Total amount payable: £184,932.15. Includes interest of £59,010.15, Valuation fee of £173, Booking fee of £749 and Administration fee of £0. Repayments: 25 monthly repayments of £481.92 at 1.19% (fixed), then 275 monthly repayments of £625.32 at 3.69% (variable).

  1. You need to have another product with the same provider to take out this deal so make sure the other product is also right for you before applying.
£12,360 £505 1.58% 4.24% 85.0%
Cumberland Building Society  2.66% discount for 2 years

Cumberland Building Society 2.66% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 3.9% APRC. Total amount payable: £195,230.88. Includes interest of £70,031.88, Valuation fee of £0, Booking fee of £0 and Administration fee of £199. Repayments: 24 monthly repayments of £504.63 at 1.58% (variable), then 276 monthly repayments of £662.76 at 4.24% (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.
£12,369 £514 1.74% 3.69% 80.0% 67%Fair
HSBC Fixed 1.74% until 30/06/2019

HSBC Fixed 1.74% until 30/06/2019

Assumed borrowing of £125,000 over 25 years, representative 3.4% APRC. Total amount payable: £185,687.27. Includes interest of £60,687.27, Valuation fee of £0, 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 £628.49 at 3.69% (variable).

£12,371 £514 1.74% 4.94% 80.0%
Hanley Economic Building Society  Fixed 1.74% until 28/02/2019

Hanley Economic Building Society Fixed 1.74% until 28/02/2019

Assumed borrowing of £125,000 over 25 years, representative 4.5% APRC. Total amount payable: £209,317.88. Includes interest of £84,317.88, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 21 monthly repayments of £514.14 at 1.74% (fixed), then 279 monthly repayments of £711.54 at 4.94% (variable).

£12,374 £514 1.74% 4.49% 75.0% 61%Poor
Santander Fixed 1.74% until 02/06/2019

Santander Fixed 1.74% until 02/06/2019

Assumed borrowing of £125,000 over 25 years, representative 4.1% APRC. Total amount payable: £199,641.98. Includes interest of £74,641.98, Valuation fee of £0, 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 £679.23 at 4.49% (variable).

£12,374 £514 1.74% 3.74% 75.0% 63%Poor
TSB BOE +1.49% until 30/04/2019

TSB BOE +1.49% until 30/04/2019

Assumed borrowing of £125,000 over 25 years, representative 3.5% APRC. Total amount payable: £187,357.76. Includes interest of £62,007.76, Valuation fee of £350, Booking fee of £0 and Administration fee of £0. Repayments: 23 monthly repayments of £514.14 at 1.74% (variable), then 277 monthly repayments of £632.43 at 3.74% (variable).

£12,379 £515 1.75% 4.74% 75.0%
Principality Building Society Fixed 1.75% until 30/04/2019

Principality Building Society Fixed 1.75% until 30/04/2019

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 £515 1.75% 3.74% 75.0% 65%Fair
Barclays Fixed 1.75% until 30/06/2019

Barclays Fixed 1.75% until 30/06/2019

Assumed borrowing of £125,000 over 25 years, representative 3.5% APRC. Total amount payable: £186,762.42. Includes interest of £61,572.42, Valuation fee of £190, Booking fee of £0 and Administration fee of £0. Repayments: 25 monthly repayments of £514.74 at 1.75% (fixed), then 275 monthly repayments of £631.65 at 3.74% (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.
£12,407 £505 1.59% 4.94% 80.0%
Hanley Economic Building Society  3.35% discount for 2 years

Hanley Economic Building Society 3.35% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.5% APRC. Total amount payable: £207,921.49. Includes interest of £82,671.49, Valuation fee of £0, Booking fee of £250 and Administration fee of £0. Repayments: 24 monthly repayments of £505.22 at 1.59% (variable), then 276 monthly repayments of £708.50 at 4.94% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,411 £517 1.79% 4.74% 75.0%
Chelsea Building Society Fixed 1.79% until 30/04/2019

Chelsea Building Society Fixed 1.79% until 30/04/2019

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £204,998.93. Includes interest of £79,998.93, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 23 monthly repayments of £517.13 at 1.79% (fixed), then 277 monthly repayments of £697.13 at 4.74% (variable).