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2 Year Fixed Rate First-Time Buyer Mortgages

Compare two-year fixed rate first-time buyer mortgages

The mortgages below show the best two-year fixed rate mortgage rates available for those who are first-time buyers at 90% LTV. You can personalise the chart below by adding the value of the property you want to buy and the value of the mortgage you want to get.
If you're not a first-time buyer you can also search for remortgages and moving home mortgages

 

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Compare First Time Buyer Mortgage Terms

Best 2 Year First-time Buyer Mortgages

Best 2 Year First-time Buyer Mortgages

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  • HSBC Fixed
    Rate
    2.69%
    2.69% Fixed to 31/07/2024
    reverting to 4.04%
    APRC
    3.9%
    Max LTV
    90%
    Product Fees
    £999.00
    Initial Payment
    £729.57
    Total Over
    Go To Provider's Site
  • first direct Fixed
    Rate
    2.79%
    2.79% Fixed for 2 years
    reverting to 4.04%
    APRC
    3.9%
    Max LTV
    90%
    Product Fees
    £490.00
    Initial Payment
    £737.72
    Total Over
    Go To Provider's Site
  • first direct Fixed
    Rate
    2.99%
    2.99% Fixed for 2 years
    reverting to 4.04%
    APRC
    3.9%
    Max LTV
    90%
    Product Fees
    £0.00
    Initial Payment
    £754.16
    Total Over
    Go To Provider's Site
  • HSBC Fixed
    Rate
    2.99%
    2.99% Fixed to 31/07/2024
    reverting to 4.04%
    APRC
    3.9%
    Max LTV
    90%
    Product Fees
    £0.00
    Initial Payment
    £754.16
    Total Over
    Go To Provider's Site
  • Barclays Mortgage Fixed
    Rate
    3.04%
    3.04% Fixed to 31/08/2024
    reverting to 4.49%
    APRC
    4.3%
    Max LTV
    90%
    Product Fees
    £0.00
    Initial Payment
    £758.31
    Total Over
    Go To Provider's Site
  • first direct Fixed
    Rate
    3.14%
    3.14% Fixed for 2 years
    reverting to 4.04%
    APRC
    4.0%
    Max LTV
    95%
    Product Fees
    £0.00
    Initial Payment
    £766.64
    Total Over
    Go To Provider's Site
  • Danske Bank Fixed
    Rate
    2.21%
    2.21% Fixed to 01/07/2024
    reverting to 4.20%
    APRC
    4.0%
    Max LTV
    90%
    Product Fees
    £999.00
    Initial Payment
    £691.21
    Total Over
    Speak To A Broker
  • Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

    Access exclusive rates

    Mortgage brokers can help you access exclusive products and rates

    Find a Conveyancer

    Whether you’re buying or selling, you’ll need to instruct a conveyancer. 

    How much can I borrow? 

    Find out how much you could borrow on a mortgage using our calculator. 

  • Danske Bank Fixed
    Rate
    2.21%
    2.21% Fixed to 01/07/2024
    reverting to 4.20%
    APRC
    4.0%
    Max LTV
    90%
    Product Fees
    £999.00
    Initial Payment
    £691.21
    Total Over
    Speak To A Broker
  • Danske Bank Fixed
    Rate
    2.23%
    2.23% Fixed to 01/07/2024
    reverting to 4.20%
    APRC
    4.0%
    Max LTV
    90%
    Product Fees
    £999.00
    Initial Payment
    £692.79
    Total Over
    Speak To A Broker
  • Danske Bank Fixed
    Rate
    2.23%
    2.23% Fixed to 01/07/2024
    reverting to 4.20%
    APRC
    4.0%
    Max LTV
    90%
    Product Fees
    £999.00
    Initial Payment
    £692.79
    Total Over
    Speak To A Broker
Representative Example
Note

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177 or email moneyfacts@mab.org.uk. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%.

Any contractual relationship will be with Mortgage Advice Bureau.

Disclaimer

Credit will be secured by a mortgage on your property. 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.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to a Broker' button, when you call an advertised number or when you complete an application.

A guide to 2 Year Fixed Rate Mortgages

What are the best two-year first-time buyer mortgages?

First-time buyer mortgage products are specifically aimed at those people buying their first home. A two-year fixed rate mortgage means that for two years your mortgage repayments will be fixed at a certain level. The helpful thing about this is that it enables first-time buyers to know exactly what they will be repaying in the opening 24 months of their new mortgage.

How our best two-year first-time buyer mortgage comparison works

Understanding how our two-year fixed rate mortgages deals for first-time buyers are organised is easy: at the top are all the deals which you can apply directly for via the 'Go To Provider's Site' button. Below these are deals offered by other providers in the marketplace. Both the direct deals and those below are sorted in interest rate order. To reorder the whole table into rate order, just untick the box at the top of the search table.

How to choose the best two-year first-time buyer mortgage deal for you

There is a large selection of two-year fixed rate mortgages available, so take your time and consider your options carefully. The majority of first-time buyer mortgages will offer you additional benefits, such a free valuations, free legal fees or cashback options - some might offer all of these or other benefits. So when considering which deal is right for you there's a lot more to consider than just the interest rate (although that is still important).

Should I speak to a mortgage broker?

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive products and rates that aren’t available to the public. Mortgage brokers are regulated by the Financial Conduct Authority (FCA) and are required to pass specific qualifications before they can give you advice.

 

Speak to an award-winning mortgage broker today

 

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Call 0808 149 9177 or request a callback

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 1pm excluding bank holidays. Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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