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Compare first time buyer mortgages

We have found 663 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?

£11,936 £495 1.42% 4.75% 80.0%
Progressive Building Society  3.33% discount for 2 years

Progressive Building Society 3.33% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £203,678.07. Includes interest of £78,678.07, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £495.24 at 1.42% (variable), then 276 monthly repayments of £694.90 at 4.75% (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.
£12,076 £501 1.52% 4.75% 85.0%
Progressive Building Society  3.23% discount for 2 years

Progressive Building Society 3.23% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £203,987.93. Includes interest of £78,987.93, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £501.10 at 1.52% (variable), then 276 monthly repayments of £695.51 at 4.75% (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.
£12,094 £503 1.55% 4.9% 75.0%
Principality Building Society 3.35% discount until 30/04/2020

Principality Building Society 3.35% discount until 30/04/2020

Assumed borrowing of £125,000 over 25 years, representative 4.4% APRC. Total amount payable: £206,406.46. Includes interest of £81,406.46, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 25 monthly repayments of £502.86 at 1.55% (variable), then 275 monthly repayments of £704.85 at 4.90% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,147 £497 1.45% 5.44% 75.0%
Leek United Building Society 3.99% discount for 2 years

Leek United Building Society 3.99% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.9% APRC. Total amount payable: £216,699.15. Includes interest of £91,500.15, Valuation fee of £0, Booking fee of £199 and Administration fee of £0. Repayments: 24 monthly repayments of £496.99 at 1.45% (variable), then 276 monthly repayments of £741.20 at 5.44% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,150 £505 1.59% 4.24% 75.0%
Sainsbury's Bank Fixed 1.59% until 31/03/2020

Sainsbury's Bank Fixed 1.59% until 31/03/2020

Assumed borrowing of £125,000 over 25 years, representative 3.9% APRC. Total amount payable: £195,062.02. Includes interest of £70,062.02, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £505.22 at 1.59% (fixed), then 276 monthly repayments of £662.81 at 4.24% (variable).

£12,179 £499 1.49% 5.39% 80.0%
Saffron Building Society  3.9% discount for 2 years

Saffron Building Society 3.9% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.9% APRC. Total amount payable: £216,221.66. Includes interest of £90,691.66, Valuation fee of £395, Booking fee of £135 and Administration fee of £0. Repayments: 24 monthly repayments of £499.33 at 1.49% (variable), then 276 monthly repayments of £738.07 at 5.39% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,221 £508 1.64% 4.74% 75.0% 65%Fair
Skipton Building Society BOE +1.14% for 2 years

Skipton Building Society BOE +1.14% for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £204,177.66. Includes interest of £79,177.66, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £508.18 at 1.64% (variable), then 276 monthly repayments of £695.58 at 4.74% (variable).

£12,293 £511 1.69% 4.24% 80.0%
Sainsbury's Bank Fixed 1.69% until 31/03/2020

Sainsbury's Bank Fixed 1.69% until 31/03/2020

Assumed borrowing of £125,000 over 25 years, representative 3.9% APRC. Total amount payable: £195,363.34. Includes interest of £70,363.34, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 24 monthly repayments of £511.16 at 1.69% (fixed), then 276 monthly repayments of £663.39 at 4.24% (variable).

£12,303 £511 1.69% 3.75% 75.0% 64%Poor
Santander Fixed 1.69% until 02/05/2020

Santander Fixed 1.69% until 02/05/2020

Assumed borrowing of £125,000 over 25 years, representative 3.4% APRC. Total amount payable: £186,321.71. Includes interest of £61,321.71, Valuation fee of £0, Booking fee of £0 and Administration fee of £0. Repayments: 26 monthly repayments of £511.16 at 1.69% (fixed), then 274 monthly repayments of £631.50 at 3.75% (variable).

£12,320 £505 1.59% 4.99% 80.0%
Monmouthshire Building Society 3.4% discount for 2 years

Monmouthshire Building Society 3.4% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.5% APRC. Total amount payable: £208,979.24. Includes interest of £83,589.24, Valuation fee of £240, Booking fee of £150 and Administration fee of £0. Repayments: 24 monthly repayments of £505.22 at 1.59% (variable), then 276 monthly repayments of £711.83 at 4.99% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,329 £482 1.2% 4.49% 75.0%
Cumberland Building Society  3.29% discount for 2 years

Cumberland Building Society 3.29% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.1% APRC. Total amount payable: £199,314.51. Includes interest of £73,320.51, Valuation fee of £295, Booking fee of £0 and Administration fee of £699. Repayments: 24 monthly repayments of £482.49 at 1.20% (variable), then 276 monthly repayments of £676.60 at 4.49% (variable).

  1. Variable rates are determined by the lender and payments may go up or down without any maximum limit.
£12,354 £514 1.74% 4.74% 75.0%
Platform Fixed 1.74% until 30/04/2020

Platform Fixed 1.74% until 30/04/2020

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £204,123.75. Includes interest of £79,123.75, 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 £695.53 at 4.74% (variable).

£12,360 £505 1.58% 4.49% 85.0%
Cumberland Building Society  2.91% discount for 2 years

Cumberland Building Society 2.91% discount for 2 years

Assumed borrowing of £125,000 over 25 years, representative 4.1% APRC. Total amount payable: £199,682.22. Includes interest of £74,483.22, 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 £678.88 at 4.49% (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.
£12,364 £514 1.74% 4.24% 85.0%
Sainsbury's Bank Fixed 1.74% until 31/03/2020

Sainsbury's Bank Fixed 1.74% until 31/03/2020

Assumed borrowing of £125,000 over 25 years, representative 3.9% APRC. Total amount payable: £195,513.88. Includes interest of £70,513.88, 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 £663.68 at 4.24% (variable).

£12,369 £502 1.54% 4.74% 75.0%
Platform Fixed 1.54% until 30/04/2020

Platform Fixed 1.54% until 30/04/2020

Assumed borrowing of £125,000 over 25 years, representative 4.3% APRC. Total amount payable: £203,780.30. Includes interest of £78,481.30, Valuation fee of £0, Booking fee of £0 and Administration fee of £299. Repayments: 25 monthly repayments of £502.27 at 1.54% (fixed), then 275 monthly repayments of £694.27 at 4.74% (variable).

£12,374 £514 1.74% 3.99% 75.0% 66%Fair
Barclays Fixed 1.74% until 30/04/2020

Barclays Fixed 1.74% until 30/04/2020

Assumed borrowing of £125,000 over 25 years, representative 3.7% APRC. Total amount payable: £191,965.41. Includes interest of £65,850.41, Valuation fee of £1,115, 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 £647.26 at 3.99% (variable).

£12,374 £514 1.74% 3.99% 75.0% 68%Fair
TSB Fixed 1.74% until 31/01/2020

TSB Fixed 1.74% until 31/01/2020

Assumed borrowing of £125,000 over 25 years, representative 3.7% APRC. Total amount payable: £191,995.96. Includes interest of £66,645.96, Valuation fee of £350, Booking fee of £0 and Administration fee of £0. Repayments: 22 monthly repayments of £514.14 at 1.74% (fixed), then 278 monthly repayments of £648.69 at 3.99% (variable).