First time buyer mortgage deals

View a selection of mortgage deals for first-time buyers, designed to help you onto the property ladder.

You may also want to use our mortgage calculator to see how much you could borrow.

Current mortgage deals

The following deals are based on securing a mortgage of £181,600 on a £227,000 property (that's 80% loan-to-value) over a 25 year term.

We've selected the lowest deals according to to true-cost. This includes capital and interest repayments, fees, and incentives due over the initial period of the deal, and is a more effective way of comparing deals than looking for the lowest interest rate deal.

Lowest 2 year fixed deal


Lowest initial period true cost deal:
£18,466.59

Monthly payment:
£782.16

Upfront fee:
£194.75

Initial rate:
2.14%

Standard Variable Rate (SVR):
4.24%

Annual Percentage Rate of Charge (APRC):
3.90%


Based on securing a mortgage of £181,600 over a 25 year term. Reverts to SVR after initial 24 month period, costing £967.45 per month for 276 months. Total amount payable is £286,047.79 including interest and fees. This deal was last updated on 4th December 2018.

Lowest 5 year fixed deal


Lowest initial period true cost deal:
£47,374.35

Monthly payment:
£773.26

Upfront fee:
£978.75

Initial rate:
2.04%

Standard Variable Rate (SVR):
4.25%

Annual Percentage Rate of Charge (APRC):
3.50%


Based on securing a mortgage of £181,600 over a 25 year term. Reverts to SVR after initial 60 month period, costing £942.99 per month for 240 months. Total amount payable is £273,741.95 including interest and fees. This deal was last updated on 4th December 2018.

Benefits of applying with online mortgage broker Trussle

  • Apply at a time that suits you, at home or on the go
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  • Receive a recommendation selected from over 11,000 deals by 90 lenders
  • Track each stage of your application from your Trussle timeline
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