Best Buys – First time buyers

Initial Rate APR Description Early Redemption Charge Lenders setting up costs
2.67% 3.9% Fixed until 30/04/2023 3% until 30/04/2022 & 2% until 30/04/2023 £995 product fee. Max 85% loan to value.
2.79% 4.4% Fixed until 28/02/2026 £199, plus 5% in years 1-2, 4% in year 3, 3% in year 4 then 2% until 28/02/2026 £999 product fee. Max 85% loan to value.
2.94% 3.6% Bank of England base rate plus 2.84% for 24 months no early repayment charges £999 product fee. Max 85% loan to value.
3.34% 3.5% Fixed until 31/03/2026 5% until 31/03/2022 followed by 4% until 31/03/2023, 3% until 31/03/2025 then 2% until 31/03/2026 £1200 product fee. Max 90% loan to value.