First Time Buyer

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

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%