First time buyer fixed rates are currently sitting between 3.04% and 5.75% for those customers looking to get on the property ladder. There are 161 first time buyer products from 9 lenders on our database, product fees start from £0 and LTV percentages vary.
First time buyer fixed rates are currently sitting between 3.04% and 5.75% for those customers looking to get on the property ladder. There are 161 first time buyer products from 9 lenders on our database, product fees start from £0 and LTV percentages vary.
Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of September 26, 2022 and rates are subject to change.
First Time Buyer
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.17% | 4.7 APRC | £999.00 | 75% |
| Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.27% | 4.8 APRC | £999.00 | 85% |
| Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.45% | 4.8 APRC | £0.00 | 75% |
| Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.65% | 4.9 APRC | £999.00 | 90% |
| Coventry BS | First Time Buyer Offset Fixed Rate | 2 years | 4.67% | 4.9 APRC | £999.00 | 75% |
| Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.70% | 4.8 APRC | £0.00 | 85% |
| Coventry BS | First Time Buyer Fixed Rate (excl. Further Advance) | 2 years | 4.75% | 4.9 APRC | £999.00 | 95% |
| Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.20% | 4.9 APRC | £0.00 | 90% |
| Coventry BS | First Time Buyer FTB Fixed Rate | 2 years | 5.20% | 4.9 APRC | £0.00 | 90% |
| Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.25% | 5.0 APRC | £0.00 | 95% |
| Coventry BS | First Time Buyer FTB Fixed Rate | 2 years | 5.25% | 5.0 APRC | £0.00 | 95% |
| Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.17% | 4.7 APRC | £999.00 | 75% |
| Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.27% | 4.8 APRC | £999.00 | 85% |
| Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.45% | 4.8 APRC | £0.00 | 75% |
| Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.65% | 4.9 APRC | £999.00 | 90% |
| Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.70% | 4.9 APRC | £0.00 | 85% |
| Coventry BS | First Time Buyer Fixed Rate (excl. Further Advance) | 3 years | 4.75% | 4.9 APRC | £999.00 | 95% |
| Coventry BS | First Time Buyer FTB Fixed Rate | 3 years | 5.20% | 5.0 APRC | £0.00 | 90% |
| Coventry BS | First Time Buyer Fixed Rate | 3 years | 5.20% | 5.0 APRC | £0.00 | 90% |
| Coventry BS | First Time Buyer FTB Fixed Rate | 3 years | 5.25% | 5.0 APRC | £0.00 | 95% |
| Coventry BS | First Time Buyer Fixed Rate (excl. Further Advance) | 3 years | 5.25% | 5.0 APRC | £0.00 | 95% |
| Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.17% | 4.7 APRC | £999.00 | 65% |
| Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.27% | 4.8 APRC | £999.00 | 75% |
| Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.43% | 4.8 APRC | £0.00 | 65% |
| Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.52% | 4.9 APRC | £999.00 | 85% |
| Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.55% | 4.9 APRC | £0.00 | 75% |
| Coventry BS | First Time Buyer Offset Fixed Rate | 5 years | 4.77% | 5.0 APRC | £999.00 | 75% |
| Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.80% | 5.0 APRC | £0.00 | 85% |
| Coventry BS | First Time Buyer Fixed Rate | 5 years | 5.03% | 5.1 APRC | £999.00 | 90% |
| Coventry BS | First Time Buyer Fixed Rate (excl. Further Advance) | 5 years | 5.13% | 5.2 APRC | £999.00 | 95% |
| Coventry BS | First Time Buyer FTB Fixed Rate | 5 years | 5.50% | 5.3 APRC | £0.00 | 90% |
| Coventry BS | First Timer Buyer Fixed Rate | 5 years | 5.50% | 5.3 APRC | £0.00 | 90% |
| Coventry BS | First Time Buyer Fixed Rate (excl. Further Advance) | 5 years | 5.75% | 5.5 APRC | £0.00 | 95% |
| Coventry BS | First Time Buyer FTB Fixed Rate | 5 years | 5.75% | 5.5 APRC | £0.00 | 95% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.53% | 5.1 APRC | £0.00 | 60% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 4.28% | 5.1 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.13% | 4.8 APRC | £0.00 | 60% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 3.78% | 4.7 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 3.75% | 4.7 APRC | £1499.00 | 60% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 3.04% | 4.8 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.53% | 5.1 APRC | £0.00 | 70% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 4.28% | 5.1 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.16% | 4.8 APRC | £0.00 | 70% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 3.87% | 4.7 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 3.84% | 4.7 APRC | £1499.00 | 70% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 3.24% | 4.9 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.53% | 5.1 APRC | £0.00 | 75% |
| HSBC | First Time Buyer Fixed Standards | 2 years | 4.28% | 5.1 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.16% | 4.8 APRC | £0.00 | 75% |
| HSBC | First Time Buyer Fixed Standards | 5 years | 3.87% | 4.7 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 3.84% | 4.7 APRC | £1499.00 | 75% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 3.24% | 4.9 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.58% | 5.1 APRC | £0.00 | 80% |
| HSBC | First Time Buyer Fixed Standards | 2 years | 4.33% | 5.1 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.23% | 4.8 APRC | £0.00 | 80% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 3.92% | 4.7 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 3.89% | 4.7 APRC | £1499.00 | 80% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 3.54% | 4.9 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.58% | 5.1 APRC | £0.00 | 85% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 4.33% | 5.1 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.25% | 4.8 APRC | £0.00 | 85% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 3.92% | 4.7 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 3.89% | 4.8 APRC | £1499.00 | 85% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 3.59% | 5.0 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.63% | 5.1 APRC | £0.00 | 90% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 4.38% | 5.1 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.26% | 4.8 APRC | £0.00 | 90% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 3.99% | 4.8 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 3.96% | 4.8 APRC | £1499.00 | 90% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 3.64% | 5.0 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.78% | 5.1 APRC | £0.00 | 95% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.55% | 5.0 APRC | £0.00 | 95% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 2 years | 4.95% | 4.6 APRC | £0.00 | 60%-75% |
| LLOYDS BANK | Non-Club Lloyds First Time Buyer Fixed Rate | 2 years | 4.95% | 4.6 APRC | £0.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 5 years | 4.70% | 4.6 APRC | £0.00 | 60%-75% |
| LLOYDS BANK | Non-Club Lloyds First Time Buyer Fixed Rate | 5 years | 4.70% | 4.6 APRC | £0.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 10 years | 4.84% | 4.8 APRC | £995.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 10 years | 4.90% | 4.8 APRC | £0.00 | 60%-75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 2 years | 4.84% | 5.3 APRC | £0.00 | 75% |
| NATIONWIDE BS | First Time Buyer Tracker | 2 years | 3.44% | 5.0 APRC | £0.00 | 75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 3 years | 4.84% | 5.3 APRC | £0.00 | 75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 5 years | 4.24% | 4.9 APRC | £0.00 | 75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 10 years | 3.99% | 4.6 APRC | £999.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Green Mortgage | 2 years | 3.99% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 4.09% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 4.14% | 4.99% | £995.00 | 80% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 4.29% | 4.99% | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Cashback Fixed | 2 years | 4.29% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Cashback Fixed | 2 years | 4.29% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 4.38% | 4.99% | £0.00 | 80% |
| NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Fixed | 2 years | 4.49% | 4.99% | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Fixed | 2 years | 4.49% | 4.99% | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Green Mortgage | 5 years | 3.79% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate - Online Only | 5 years | 3.80% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate - Online Only | 5 years | 3.85% | 4.99% | £995.00 | 80% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 3.89% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 3.94% | 4.99% | £995.00 | 80% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 4.09% | 4.99% | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Cashback Fixed | 5 years | 4.09% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Cashback Fixed | 5 years | 4.09% | 4.99% | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 4.18% | 4.99% | £0.00 | 80% |
| NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Fixed | 5 years | 4.29% | 4.99% | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Fixed | 5 years | 4.29% | 4.99% | £0.00 | 75% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 4.44% | 5.0 APRC | £9.99 | 85% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 4.54% | 5.1 APRC | £9.99 | 90% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 4.69% | 5.1 APRC | £0.00 | 85% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 4.74% | 5.1 APRC | £0.00 | 90% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 4.79% | 5.1 APRC | £0.00 | 95% |
| Santander UK PLC. | First Time Buyer Tracker | 2 years | 5.19% | 5.2 APRC | £0.00 | 90% |
| Santander UK PLC. | First Time Buyer Tracker | 2 years | 5.24% | 5.2 APRC | £0.00 | 95% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.24% | 4.8 APRC | £9.99 | 85% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.44% | 4.9 APRC | £9.99 | 90% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.49% | 4.9 APRC | £0.00 | 85% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.64% | 5.0 APRC | £0.00 | 90% |
| Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.69% | 5.0 APRC | £0.00 | 95% |
| TSB | First Time Buyer Fixed Rate | 2 years | 4.74% | 4.4 APRC | £0.00 | 60% |
| TSB | First Time Buyer Fixed Rate | 2 years | 4.79% | 4.4 APRC | £0.00 | 60%-75% |
| TSB | First Time Buyer Fixed Rate | 2 years | 4.84% | 4.4 APRC | £0.00 | 75%-80% |
| TSB | First Time Buyer Fixed Rate | 2 years | 4.89% | 4.4 APRC | £0.00 | 80%-85% |
| TSB | First Time Buyer Fixed Rate | 2 years | 5.09% | 4.5 APRC | £0.00 | 85%-90% |
| TSB | First Time Buyer Fixed Rate | 2 years | 5.19% | 4.5 APRC | £0.00 | 90%-95% |
| TSB | First Time Buyer Tracker | 2 years | 3.29% | 4.2 APRC | £995.00 | 60% |
| TSB | First Time Buyer Tracker | 2 years | 3.39% | 4.2 APRC | £995.00 | 60%-75% |
| TSB | First Time Buyer Tracker | 2 years | 3.44% | 4.3 APRC | £995.00 | 75%-80% |
| TSB | First Time Buyer Tracker | 2 years | 3.49% | 4.3 APRC | £995.00 | 80%-85% |
| TSB | First Time Buyer Tracker | 2 years | 3.84% | 4.3 APRC | £995.00 | 85%-90% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.44% | 4.5 APRC | £995.00 | 60% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.64% | 4.5 APRC | £0.00 | 60% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.44% | 4.5 APRC | £995.00 | 60%-75% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.64% | 4.5 APRC | £0.00 | 60%-75% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.49% | 4.5 APRC | £995.00 | 75%-80% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.69% | 4.5 APRC | £0.00 | 75%-80% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.49% | 4.5 APRC | £995.00 | 80%-85% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.69% | 4.5 APRC | £0.00 | 80%-85% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.84% | 4.6 APRC | £0.00 | 85%-90% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.79% | 4.6 APRC | £995.00 | 90%-95% |
| TSB | First Time Buyer Fixed Rate | 5 years | 4.99% | 4.6 APRC | £0.00 | 90%-95% |
| TSB | First Time Buyer Fixed Rate | 10 years | 4.09% | 4.3 APRC | £995.00 | 60% |
| TSB | First Time Buyer Fixed Rate | 10 years | 4.24% | 4.4 APRC | £995.00 | 60%-75% |
| Virgin Money | First Time Buyer Greener NewBuild Fixed Cashback Everyday | 2 years | 4.14% | 5.7 APRC | £995.00 | |
| Virgin Money | First Time Buyer Everyday Fixed Cashback | 2 years | 4.19% | 5.7 APRC | £995.00 | |
| Virgin Money | First Time Buyer Everyday Fixed | 2 years | 4.64% | 5.8 APRC | £0.00 | |
| Virgin Money | First Time Buyer Everyday Fixed | 3 years | 4.79% | 5.7 APRC | £0.00 | |
| Virgin Money | First Time Buyer Greener NewBuild Fixed Cashback Everyday | 5 years | 3.88% | 5.1 APRC | £995.00 | |
| Virgin Money | First Time Buyer Everyday Fixed Cashback | 5 years | 3.93% | 5.2 APRC | £995.00 | |
| Virgin Money | First Time Buyer Everyday Fixed | 5 years | 4.19% | 5.3 APRC | £0.00 | |
| Virgin Money | First Time Buyer 7 Year Everyday Fixed Cashback | 7 years | 4.25% | 5.2 APRC | £995.00 | |
| Virgin Money | First Time Buyer Everyday Fixed Cashback | 10 years | 4.10% | 4.8 APRC | £995.00 | |
| Virgin Money | First Time Buyer Everyday Fixed Cashback | 15 years | 4.59% | 5.0 APRC | £995.00 | |
| Yorkshire BS | First Time Buyer Fixed Rate | 2 years | 4.20% | 4.83 APRC | £1495.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 2 years | 4.35% | 4.87 APRC | £495.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 2 years | 4.44% | 4.92 APRC | £0.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate Offset | 2 years | 4.74% | 4.97 APRC | £0.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 3 years | 4.65% | 4.97 APRC | £495.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 3 years | 4.71% | 5.01 APRC | £0.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 5 years | 4.03% | 4.76 APRC | £1495.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 5 years | 4.13% | 4.81 APRC | £495.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 5 years | 4.23% | 4.88 APRC | £0.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate Offset | 5 years | 4.53% | 5.01 APRC | £0.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 7 years | 4.51% | 4.86 APRC | £495.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 10 years | 4.66% | 4.86 APRC | £0.00 | 75% |
| Yorkshire BS | First Time Buyer Fixed Rate | 10 years | 4.56% | 4.76 APRC | £995.00 | 75% |
