Find the best First Time Buyer Mortgages

  - First time on the property ladder? Our independent experts compare the whole market to find the best mortgages for first time buyers; selected specially for their smaller deposits, higher LTV's and lower application fees.
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Compare the Best First Time Buyer Mortgages

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Up to 3 products
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RateAPR CostMortgage TypePeriodMax LTVERCSearch all
4417 mortgages

3.79% reverting to 5.19% 5.1% Discounted Variable2 years95%1st 2 yrs Details...
Speak to an Adviser
 
  Product Fee: None 

3.99% reverting to 4.24% 4.3% Fixed31/10/201795%To 31/10/2017Details...
Go to Site
 
  Product Fee: Arrangement £300, Booking £195 

4.34% reverting to 4.99% 5.0% Fixed2 years95%1st 2 yrs Details...
Speak to an Adviser
 
  Product Fee: None 

3.69% reverting to 4.99% 4.8% Discounted Variable3 years95%1st 3 yrs Details...
Speak to an Adviser
 
  Product Fee: None 

4.59% reverting to 4.95% 5.0% Fixed31/10/201895%1st 3 yrs Details...
Go to Site
 
  Product Fee: None 

4.49% reverting to 4.24% 4.5% Fixed31/10/202095%To 31/10/2020Details...
Go to Site
 
  Product Fee: Arrangement £300, Booking £195 
Compare
Last Updated: Thursday 3 September 2015 17:45

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply via Moneyfacts.co.uk today. Products shown with a yellow background are sponsored products.

Disclaimer:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.
 

What you should know about First Time Buyer Mortgages

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

 

 
Free Mortgage Advice
Our partner, Premier Financial Group will search the market and advise you on the best residential or buy to let mortgage deal to meet your needs.
Tel: 0800 193 6644
Lines are open 8am to 8pm, Monday to Friday
" … could not have done more for us and went above and beyond to make sure we were happy with the service. Polite, professional and efficient is an understatement.”
- Matthew, Norwich
For more information on Premier Financial Group and the mortgage advice service please click here.

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