Our best 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.

Bear in mind
Your home could be repossessed if you don't keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Any savings will vary depending on personal circumstances.

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 searched for the most competitive deals according 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.

2 year fixed deal


True cost over initial period:
£18,267.08

Monthly payment:
£832.17

Upfront fee:
£111.00

Initial rate:
2.69%

Standard Variable Rate (SVR):
4.99%

Annual Percentage Rate of Charge (APRC):
4.70%


Based on securing a mortgage of £181,600 over a 25 year term. Reverts to SVR after initial 25 month period, costing £1,042.90 per month for 275 months. Total amount payable is £307,777.75 including interest and fees. True cost based on a 24 month period. This deal was last updated on 1st March 2019.

5 year fixed deal


True cost over initial period:
£47,344.27

Monthly payment:
£783.05

Upfront fee:
£361.27

Initial rate:
2.15%

Standard Variable Rate (SVR):
4.24%

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 62 month period, costing £943.06 per month for 238 months. Total amount payable is £273,358.65 including interest and fees. True cost based on a 60 month period. This deal was last updated on 1st March 2019.

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Bear in mind
Your home could be repossessed if you don't keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Any savings will vary depending on personal circumstances.