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Post Office Mortgage CashbackGet up to £400 Cashback. Available to home movers and first time buyers. Exclusions apply. More info...»

This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 3.48% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4.4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 3.48% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4.4% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 3.71% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Jul-2020 From Royal Bank Of Scotland
Initial rate 3.71% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 3.79% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 3.79% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 3.83% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 3.83% Jul-2020
Maximum LTV 95%
Overall cost of comparison 4.5% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Sep-2020 From Virgin Money
Initial rate 3.84% Sep-2020
Maximum LTV 95%
Overall cost of comparison 4.6% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2023 From Post Office
Initial rate 3.88% Jul-2023
Maximum LTV 95%
Overall cost of comparison 4.3% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Compare First Time Buyer Mortgage Best Buys

First time buyer best buys

Post office are offering up to £400 Cashback on a 2 year fixed rate requiring a 15% deposit. Click here for more details »

NatWest are offering a very attractive 2 year fixed rate if you have a 10% deposit. You can call NatWest FREE on 0800 068 8567 to discuss this offer.

Low fee options

Post Office is offering an attractive initial fixed rate for the first 2 years on 90% LTV first time buyer mortgages and although this is higher than HSBC, you benefit from no product fee and a free valuation. Call Post Office on 0808 178 6813 or click here to find out how much you could borrow »

What is a first time buyer mortgage?

First time buyer mortgages are aimed at people looking to buy their first home. They are designed to make it easier to get on the housing ladder for people who might otherwise be put off by the need to save a large deposit (amongst other things).

Many lenders offer mortgages specifically for first time buyers which can allow you to get a mortgage with a deposit of as little as 5% of the property’s value. Many normal mortgages require you to have a deposit of at least 10% or more, so this can make life much easier.

How to get a first time buyer mortgage

To qualify for a first time buyer mortgage you should not have previously owned your own home.  If you are buying with a partner and one of you has owned a property before, but the other hasn’t, you may still be able to qualify.

Most mortgage lenders now make their decisions based on affordability, rather than the traditional method of offering a multiple of your salary. This means they will look at both your income and your regular outgoings.

The UK government offers various options to help people get on the property ladder, including the Help to Buy: ISA which can boost your savings towards a deposit by 25%.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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