The number of local authority homes purchased by occupiers increased during the final quarter of 201... More
The number of home loans approved to people purchasing their first property climbed by monthly by 20... More
The number of surveys carried out on first-time buyer homes rose to its highest level since 2007 dur... More
Homeowners across the UK have called for the introduction of more innovative mortgage products to as... More
Figures released by the mortgage lender Halifax have revealed a quarterly increase in UK property pr... More
Find out how to choose the best estate agent in this guide. We look at practical ways to shortlist, ... More
Mortgage valuations shouldn’t be confused with a property survey. You should consider having a surve... More
Find out how buying a house works, from making your offer to completion. This guide explains the mor... More
Hinckley & Rugby Building Society has reduced its discounted variable offset mortgage rate by 0.30%,... More
A rate cut of 0.60% has pushed the first direct variable tracker deal to the top of the 90% loan-to-... More
Coventry Building Society has cut the rate on its variable-rate mortgage for term, catapulting it to... More
HSBC has stormed the long-term fixed-rate market with a ground-breaking five-year rate available to ... More
Cumberland Building Society has made a series of rate cuts across its mortgage range, most notably w... More
Mortgage CalculatorBefore applying for a mortgage, work out how much your mortgage will cost you each month using Moneyfacts.co.uk mortgage calculator.
If you are buying a house for the first time, you may not have a lot of money to put down as a deposit, meaning the loan-to-value (LTV) you need may be quite high.
Our first time buyer mortgage best buys show the top discounted variable rate, variable rate tracker and fixed interest rate mortgages. These mortgages have been specially selected as they require low deposits of as little as 5% and high loan-to-value limits, typically between 80% up to as much as 95% of the purchase price.
Remember that the upside of securing a higher loan-to-value mortgage may have a downside of paying a higher interest rate throughout the fixed mortgage term.
It might also be worth looking at two year fixed rates, three year fixed rates, five year fixed rates or variable rates (including trackers).
However, if you can’t find a product that’s right for you don’t worry – you can use our quick and easy mortgage search to find exactly the mortgage deal you are looking for.
If you've already found your ideal first home and are ready to make an offer, our downloadable First Time Buyers' Guide - 'How to buy a house: making an offer to completion' will take you through the process of buying a property and identify where you can expect delays and why. To view and save this document you will require a PDF reader such as Adobe Reader or an app such as Kdan Mobile PDF reader iPhone/iPad edition.