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We’ve been helping people to buy their first home for over 175 years, it’s what we’re good at, and we’ve even won awards for it.
Saving for your first home can be tough - we get it. We've got mortgages that could work for you even with a low deposit.
You can get a mortgage with a deposit as low as 5% - perfect for first time buyers.
Low deposit mortgagesA nice little addition - handy if want to jazz up the place and make your new house a home.
Cashback mortgagesShared ownership could be the ticket to owning your first home.
Shared ownership mortgagesNot everyone offers low deposit mortgages on brand new homes - but we do.
New build mortgagesOur mortgage finder will help you find a mortgage deal that works for you.
To find out more about our range of low deposit new build or shared ownership mortgages, give us a call or request a call back.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
2.5% of amount repaid until 30/04/2027, followed by 1.5% of amount repaid until 30/04/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3.5% of amount repaid until 30/04/2027, followed by 2.5% of amount repaid until 30/04/2028, followed by 1.5% of amount repaid until 30/04/2029 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
5.5% of amount repaid until 30/04/2027, followed by 4.5% of amount repaid until 30/04/2028, followed by 3.5% of amount repaid until 30/04/2029, followed by 2.5% of amount repaid until 30/04/2030, followed by 1.5% of amount repaid until 30/04/2031 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
We’ll instruct a mortgage valuation. This is for our own use only. The cost of the valuation is set out in the product features. Where you feel you need more information about the property including its condition, there are three additional types of survey available to you: Home Survey Level 1 (Previously known as a Condition Report), Level 2 (Previously known as a Home Buyers’ Survey) and Level 3 (Previously known as a Building Survey). You’ll need to decide which level is best for you. For further details please visit rics.org
Representative example
A mortgage of £230,000 payable over 35 years initially on a fixed rate for two years at 4.80% and then on our current standard variable rate of 6.39% (variable) for the remaining 33 years would require an initial payment of £2,069.25, 27 monthly payments of £1,131.61 and 392 monthly payments of £1,361.00.
The total amount payable would be £566,348.29 made up of the loan amount plus interest (£336,223.29), and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.3% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Whether you have a question or are ready to take the first step, we're happy to help.
0345 241 3785schedule 8:30am to 6:00pm Monday to Friday
schedule 8:30am to 12:30pm on Saturday
You can also request a call back or visit us in branch.
