First time buyer fixed rates are currently sitting between 4.10% and 6.49% for those customers looking to get on the property ladder. There are 165 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 4.10% and 6.49% for those customers looking to get on the property ladder. There are 165 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 January 23, 2023 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 Bank Base Rate Flexx Tracker +0.58% | 2 years | 4.08% | 6.0 APRC | £999.00 | 65% |
Coventry BS | First Time Buyer Bank Base Rate Flexx Tracker +0.73% | 2 years | 4.23% | 6.1 APRC | £999.00 | 75% |
Coventry BS | First Time Buyer Bank Base Rate Flexx Tracker +0.83% | 2 years | 4.33% | 6.1 APRC | £999.00 | 85% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.65% | 6.2 APRC | £999.00 | 65% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.70% | 6.2 APRC | £999.00 | 75% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 4.93% | 6.3 APRC | £999.00 | 85% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.04% | 6.2 APRC | £0.00 | 65% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.09% | 6.2 APRC | £0.00 | 75% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.11% | 6.3 APRC | £999.00 | 90% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.32% | 6.3 APRC | £0.00 | 85% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.44% | 6.4 APRC | £999.00 | 95% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.50% | 6.3 APRC | £0.00 | 90% |
Coventry BS | First Time Buyer Fixed Rate | 2 years | 5.83% | 6.4 APRC | £0.00 | 95% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.55% | 6.0 APRC | £999.00 | 65% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.60% | 6.0 APRC | £999.00 | 75% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.83% | 6.1 APRC | £999.00 | 85% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.94% | 6.1 APRC | £0.00 | 65% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 4.99% | 6.1 APRC | £0.00 | 75% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 5.01% | 6.1 APRC | £999.00 | 90% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 5.22% | 6.2 APRC | £0.00 | 85% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 5.34% | 6.3 APRC | £999.00 | 95% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 5.40% | 6.2 APRC | £0.00 | 90% |
Coventry BS | First Time Buyer Fixed Rate | 3 years | 5.73% | 6.3 APRC | £0.00 | 95% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.35% | 5.6 APRC | £999.00 | 65% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.40% | 5.6 APRC | £999.00 | 75% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.51% | 5.6 APRC | £0.00 | 65% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.56% | 5.7 APRC | £0.00 | 75% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.63% | 5.5 APRC | £999.00 | 85% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.79% | 5.8 APRC | £0.00 | 85% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.81% | 5.8 APRC | £999.00 | 90% |
Coventry BS | First Time Buyer Offset Fixed Rate | 5 years | 4.90% | 5.6 APRC | £999.00 | 75% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 4.97% | 5.9 APRC | £0.00 | 90% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 5.14% | 6.0 APRC | £999.00 | 95% |
Coventry BS | First Time Buyer Fixed Rate | 5 years | 5.30% | 6.0 APRC | £0.00 | 95% |
HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.99% | 6.2 APRC | £0.00 | 60% |
HSBC | First Time Buyer Fixed Standard | 2 years | 4.74% | 6.2 APRC | £999.00 | 60% |
HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.59% | 5.7 APRC | £0.00 | 60% |
HSBC | First Time Buyer Fixed Standard | 5 years | 4.39% | 5.7 APRC | £999.00 | 60% |
HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.36% | 5.7 APRC | £1499.00 | 60% |
HSBC | First Time Buyer Tracker Standard | 2 years | 3.84% | 6.1 APRC | £999.00 | 60% |
HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.09% | 6.2 APRC | £0.00 | 70% |
HSBC | First Time Buyer Fixed Standard | 2 years | 4.84% | 6.3 APRC | £999.00 | 70% |
HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.64% | 5.7 APRC | £0.00 | 70% |
HSBC | First Time Buyer Fixed Standard | 5 years | 4.44% | 5.7 APRC | £999.00 | 70% |
HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.41% | 5.7 APRC | £1499.00 | 70% |
HSBC | First Time Buyer Tracker Standard | 2 years | 3.99% | 6.1 APRC | £999.00 | 70% |
HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.09% | 6.2 APRC | £0.00 | 75% |
HSBC | First Time Buyer Fixed Standards | 2 years | 4.84% | 6.3 APRC | £999.00 | 75% |
HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.64% | 5.7 APRC | £0.00 | 75% |
HSBC | First Time Buyer Fixed Standards | 5 years | 4.44% | 5.7 APRC | £999.00 | 75% |
HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.41% | 5.7 APRC | £1499.00 | 75% |
HSBC | First Time Buyer Tracker Standard | 2 years | 3.99% | 6.1 APRC | £999.00 | 75% |
HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.24% | 6.3 APRC | £0.00 | 80% |
HSBC | First Time Buyer Fixed Standards | 2 years | 4.94% | 6.3 APRC | £999.00 | 80% |
HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.74% | 5.8 APRC | £0.00 | 80% |
HSBC | First Time Buyer Fixed Standard | 5 years | 4.59% | 5.8 APRC | £999.00 | 80% |
HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.56% | 5.8 APRC | £1499.00 | 80% |
HSBC | First Time Buyer Tracker Standard | 2 years | 4.24% | 6.2 APRC | £999.00 | 80% |
HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.29% | 6.3 APRC | £0.00 | 85% |
HSBC | First Time Buyer Fixed Standard | 2 years | 4.99% | 6.3 APRC | £999.00 | 85% |
HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.79% | 5.8 APRC | £0.00 | 85% |
HSBC | First Time Buyer Fixed Standard | 5 years | 4.64% | 5.8 APRC | £999.00 | 85% |
HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.61% | 5.8 APRC | £1499.00 | 85% |
HSBC | First Time Buyer Tracker Standard | 2 years | 4.29% | 6.2 APRC | £999.00 | 85% |
HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.54% | 6.3 APRC | £0.00 | 90% |
HSBC | First Time Buyer Fixed Standard | 2 years | 5.29% | 6.3 APRC | £999.00 | 90% |
HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.94% | 5.9 APRC | £0.00 | 90% |
HSBC | First Time Buyer Fixed Standard | 5 years | 4.78% | 5.9 APRC | £999.00 | 90% |
HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.75% | 5.9 APRC | £1499.00 | 90% |
HSBC | First Time Buyer Tracker Standard | 2 years | 4.55% | 6.2 APRC | £999.00 | 90% |
HSBC | First Time Buyer Fixed Fee Saver | 2 years | 6.19% | 6.5 APRC | £0.00 | 95% |
HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.75% | 6.2 APRC | £0.00 | 95% |
LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 2 years | 5.89% | undefined | £0.00 | 60%-75% |
LLOYDS BANK | Non-Club Lloyds First Time Buyer Fixed Rate | 2 years | 5.89% | undefined | £0.00 | 60%-75% |
LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 5 years | 5.39% | undefined | £0.00 | 60%-75% |
LLOYDS BANK | Non-Club Lloyds First Time Buyer Fixed Rate | 5 years | 5.39% | undefined | £0.00 | 60%-75% |
LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 10 years | 5.00% | undefined | £999.00 | 60%-75% |
LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate | 10 years | 5.04% | undefined | £0.00 | 60%-75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 2 years | 4.79% | 6.8 APRC | £999.00 | 75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 2 years | 5.29% | 6.9 APRC | £0.00 | 75% |
NATIONWIDE BS | First Time Buyer Tracker | 2 years | 4.09% | 6.7 APRC | £999.00 | 75% |
NATIONWIDE BS | First Time Buyer Tracker | 2 years | 4.94% | 6.8 APRC | £0.00 | 75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 3 years | 4.79% | 6.7 APRC | £999.00 | 75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 3 years | 5.29% | 6.8 APRC | £0.00 | 75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 5 years | 4.39% | 6.2 APRC | £999.00 | 75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 5 years | 4.59% | 6.2 APRC | £0.00 | 75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 10 years | 5.09% | 6.0 APRC | £999.00 | 75% |
NATIONWIDE BS | First Time Buyer Fixed Rate | 10 years | 5.39% | 6.1 APRC | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.04% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.29% | 6.74% | £995.00 | 80% |
NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.79% | 6.74% | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.79% | 6.74% | £0.00 | 80% |
NATWEST BANK PLC | First Time Buyer Online Only Fixed Rate | 2 years | 4.83% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Green Mortgage Fixed Rate | 2 years | 4.83% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 4.88% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Online Only Fixed Rate | 2 years | 4.93% | 6.74% | £995.00 | 80% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 4.98% | 6.74% | £995.00 | 80% |
NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Cashback Fixed Rate | 2 years | 5.03% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Cashback Fixed Rate | 2 years | 5.03% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.13% | 6.74% | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Fixed Rate | 2 years | 5.28% | 6.74% | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Fixed Rate | 2 years | 5.28% | 6.74% | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.28% | 6.74% | £0.00 | 80% |
NATWEST BANK PLC | First Time Buyer Online Only Fixed Rate | 5 years | 4.43% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Fixed Rate Green Mortgage | 5 years | 4.43% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 4.48% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Online Only Fixed Rate | 5 years | 4.58% | 6.74% | £995.00 | 80% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 4.60% | 6.74% | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Cashback Fixed Rate | 5 years | 4.63% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Cashback Fixed Rate | 5 years | 4.63% | 6.74% | £995.00 | 75% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 4.63% | 6.74% | £995.00 | 80% |
NATWEST BANK PLC | First Time Buyer Help to Buy Shared Equity Fixed Rate | 5 years | 4.75% | 6.74% | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Shared Equity Exclusive Fixed Rate | 5 years | 4.75% | 6.74% | £0.00 | 75% |
NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 4.75% | 6.74% | £0.00 | 80% |
Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 4.87% | 6.6 APRC | £999.00 | 75% |
Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 5.03% | 6.6 APRC | £999.00 | 85% |
Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 5.12% | 6.6 APRC | £0.00 | 75% |
Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 5.33% | 6.7 APRC | £0.00 | 85% |
Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 5.39% | 6.7 APRC | £999.00 | 90% |
Santander UK PLC. | First Time Buyer Fixed Rate | 2 years | 5.64% | 6.8 APRC | £0.00 | 90% |
Santander UK PLC. | First Time Buyer Tracker | 2 years | 4.09% | 6.5 APRC | £999.00 | 75% |
Santander UK PLC. | First Time Buyer Tracker | 2 years | 5.04% | 6.6 APRC | £0.00 | 90% |
Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.43% | 5.9 APRC | £999.00 | 75% |
Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.58% | 5.9 APRC | £0.00 | 75% |
Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.68% | 6.1 APRC | £999.00 | 85% |
Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.83% | 6.1 APRC | £0.00 | 85% |
Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 4.94% | 6.2 APRC | £999.00 | 90% |
Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 5.09% | 6.3 APRC | £0.00 | 90% |
Santander UK PLC. | First Time Buyer Fixed Rate | 5 years | 5.84% | 6.6 APRC | £0.00 | 95% |
TSB | First Time Buyer Fixed Rate | 2 years | 4.69% | 5.9 APRC | £995.00 | 60% |
TSB | First Time Buyer Fixed Rate | 2 years | 5.09% | 5.8 APRC | £0.00 | 60% |
TSB | First Time Buyer Fixed Rate | 2 years | 4.74% | 5.9 APRC | £995.00 | 60% to 75% |
TSB | First Time Buyer Fixed Rate | 2 years | 5.14% | 5.8 APRC | £0.00 | 60% to 75% |
TSB | First Time Buyer Fixed Rate | 2 years | 4.94% | 5.9 APRC | £995.00 | 75% to 80% |
TSB | First Time Buyer Fixed Rate | 2 years | 5.34% | 5.8 APRC | £0.00 | 75% to 80% |
TSB | First Time Buyer Fixed Rate | 2 years | 4.94% | 5.9 APRC | £995.00 | 80% to 85% |
TSB | First Time Buyer Fixed Rate | 2 years | 5.34% | 5.8 APRC | £0.00 | 80% to 85% |
TSB | First Time Buyer Fixed Rate | 2 years | 5.59% | 5.9 APRC | £0.00 | 85% to 90% |
TSB | First Time Buyer Fixed Rate | 2 years | 6.49% | 6.1 APRC | £0.00 | 90% to 95% |
TSB | First Time Buyer Tracker Rate | 2 years | 4.19% | 5.9 APRC | £995.00 | 60% |
TSB | First Time Buyer Tracker Rate | 2 years | 4.24% | 5.9 APRC | £995.00 | 60% to 75% |
TSB | First Time Buyer Tracker Rate | 2 years | 4.49% | 5.9 APRC | £995.00 | 75% to 80% |
TSB | First Time Buyer Tracker Rate | 2 years | 4.49% | 5.9 APRC | £995.00 | 80% to 85% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.39% | 6.0 APRC | £995.00 | 60% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.59% | 6.5 APRC | £0.00 | 60% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.44% | 6.2 APRC | £995.00 | 60% to 75% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.64% | 6.5 APRC | £0.00 | 60% to 75% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.64% | 6.4 APRC | £995.00 | 75% to 80% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.84% | 6.6 APRC | £0.00 | 75% to 80% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.69% | 6.4 APRC | £999.00 | 80% to 85% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.89% | 6.6 APRC | £0.00 | 80% to 85% |
TSB | First Time Buyer Fixed Rate | 5 years | 4.94% | 6.8 APRC | £0.00 | 85% to 90% |
TSB | First Time Buyer Fixed Rate | 5 years | 5.94% | 6.9 APRC | £0.00 | 90% to 95% |
TSB | First Time Buyer Fixed Rate | 10 years | 4.64% | 5.7 APRC | £995.00 | 60% |
TSB | First Time Buyer Fixed Rate | 10 years | 4.64% | 5.7 APRC | £995.00 | 60%-75% |
Virgin Money | First Time Buyer Greener NewBuild Fixed Cashback Everyday | 2 years | 4.65% | 6.9 APRC | £995.00 | |
Virgin Money | First Time Buyer Everyday Fixed Cashback | 2 years | 4.70% | 6.9 APRC | £995.00 | |
Virgin Money | First Time Buyer Everyday Fixed | 2 years | 5.09% | 6.9 APRC | £0.00 | |
Virgin Money | First Time Buyer Greener NewBuild Fixed Cashback Everyday | 5 years | 4.35% | 6.1 APRC | £995.00 | |
Virgin Money | First Time Buyer Everyday Fixed Cashback | 5 years | 4.40% | 6.1 APRC | £995.00 | |
Virgin Money | First Time Buyer Everyday Fixed | 5 years | 4.56% | 6.1 APRC | £0.00 | |
Virgin Money | First Time Buyer Everyday Fixed Cashback | 10 years | 4.10% | 5.2 APRC | £995.00 | |
Yorkshire BS | First Time Buyer Fixed Rate | 2 years | 4.58% | 5.77 APRC | £1495.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 2 years | 4.73% | 5.81 APRC | £495.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 2 years | 4.82% | 5.86 APRC | £0.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate Offset | 2 years | 5.12% | 5.92 APRC | £0.00 | 75% |
Yorkshire BS | First Time Buyer Tracker | 2 years | 3.69% | 5.61 APRC | £995.00 | 75% |
Yorkshire BS | First Time Buyer Tracker | 2 years | 3.89% | 5.68 APRC | £0.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate Offset | 2 years | 4.87% | 5.83 APRC | £995.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 3 years | 4.79% | 5.78 APRC | £495.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 3 years | 4.85% | 5.83 APRC | £0.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 5 years | 4.18% | 5.43 APRC | £1495.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 5 years | 4.34% | 5.51 APRC | £495.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 5 years | 4.39% | 5.56 APRC | £0.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate Offset | 5 years | 4.69% | 5.69 APRC | £0.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate Offset | 5 years | 4.44% | 5.54 APRC | £995.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 7 years | 4.95% | 5.58 APRC | £495.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 10 years | 4.96% | 5.38 APRC | £0.00 | 75% |
Yorkshire BS | First Time Buyer Fixed Rate | 10 years | 4.86% | 5.27 APRC | £995.00 | 75% |