Best Buys – First time buyers

Initial Rate APR Description Early Redemption Charge Lenders setting up costs
1.29% 3.8% Bank base rate plus 0.54% until 30/09/2021 1.4% until 30/09/2020 followed by 0.9% until 30/09/2021 £999 lenders fee. Max 60% loan to value.
1.39% 3.8% Fixed until 30/06/2021 1.4% until 30/09/2020 followed by 0.8% until 30/09/2021 £999 lenders fee. Max 60% loan to value.
1.37% 3.8% Bank base rate plus 0.62% until 30/09/2021 1.4% until 30/09/2020 followed by 0.9% until 30/09/2021 £999 lenders fee. Max 75% loan to value
1.78% 3.8% Fixed until 31/07/2024 5% until 31/07/2021 followed by 4% until 31/07/2022, 3% until 31/07/2023 and 2% until 31/07/2024 £1995 lenders fee. Max 60% loan to value
2.54% 5.6% Discounted rate until 30/09/2021 3% until 30/09/2020, followed by 2% until 30/09/2021 0.5% lenders fee plus £299 booking fee. Max 95% loan to value. Family step mortgage.