First-time buyer rates
Buy your first home all under one roof. Get access to lower rates when you get a Gen H mortgage and select Gen H Legal as your conveyancer. Learn more about Gen H Legal.
Not a first-time buyer or don’t want Gen H Legal?
2 year fixed
2 year fixed
3 year fixed
5 year fixed
4.64
%
Initial rate
£
999
Upfront fee
6.9
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.79
%
Initial rate
£
0
Upfront fee
6.8
%
APRC
3 year fixed
2 year fixed
3 year fixed
5 year fixed
4.74
%
Initial rate
£
999
Upfront fee
6.7
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.84
%
Initial rate
£
0
Upfront fee
6.7
%
APRC
5 year fixed
2 year fixed
3 year fixed
5 year fixed
4.45
%
Initial rate
£
999
Upfront fee
6.2
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.51
%
Initial rate
£
0
Upfront fee
6.2
%
APRC
2 year fixed
2 year fixed
3 year fixed
5 year fixed
4.64
%
Initial rate
£
999
Upfront fee
6.9
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.79
%
Initial rate
£
0
Upfront fee
6.8
%
APRC
3 year fixed
2 year fixed
3 year fixed
5 year fixed
4.79
%
Initial rate
£
999
Upfront fee
6.7
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.89
%
Initial rate
£
0
Upfront fee
6.7
%
APRC
5 year fixed
2 year fixed
3 year fixed
5 year fixed
4.45
%
Initial rate
£
999
Upfront fee
6.2
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.51
%
Initial rate
£
0
Upfront fee
6.2
%
APRC
2 year fixed
2 year fixed
3 year fixed
5 year fixed
4.64
%
Initial rate
£
999
Upfront fee
6.9
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.79
%
Initial rate
£
0
Upfront fee
6.8
%
APRC
3 year fixed
2 year fixed
3 year fixed
5 year fixed
4.79
%
Initial rate
£
999
Upfront fee
6.7
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.89
%
Initial rate
£
0
Upfront fee
6.7
%
APRC
5 year fixed
2 year fixed
3 year fixed
5 year fixed
4.45
%
Initial rate
£
999
Upfront fee
6.2
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.51
%
Initial rate
£
0
Upfront fee
6.2
%
APRC
2 year fixed
2 year fixed
3 year fixed
5 year fixed
4.64
%
Initial rate
£
999
Upfront fee
6.9
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.79
%
Initial rate
£
0
Upfront fee
6.8
%
APRC
3 year fixed
2 year fixed
3 year fixed
5 year fixed
4.84
%
Initial rate
£
999
Upfront fee
6.7
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.94
%
Initial rate
£
0
Upfront fee
6.7
%
APRC
5 year fixed
2 year fixed
3 year fixed
5 year fixed
4.45
%
Initial rate
£
999
Upfront fee
6.2
%
APRC
2 year fixed
3 year fixed
5 year fixed
4.51
%
Initial rate
£
0
Upfront fee
6.2
%
APRC
2 year fixed
2 year fixed
3 year fixed
5 year fixed
5.96
%
Initial rate
£
999
Upfront fee
7.1
%
APRC
2 year fixed
3 year fixed
5 year fixed
6.11
%
Initial rate
£
0
Upfront fee
7.1
%
APRC
3 year fixed
5.85%
Initial rate
£999
Upfront fee
7.0%
APRC
5.95%
Initial rate
£0
Upfront fee
7.0%
APRC
5 year fixed
5.46%
Initial rate
£999
Upfront fee
6.6%
APRC
5.57%
Initial rate
£0
Upfront fee
6.6%
APRC
2 year fixed
2 year fixed
3 year fixed
5 year fixed
5.96
%
Initial rate
£
999
Upfront fee
7.1
%
APRC
2 year fixed
3 year fixed
5 year fixed
6.11
%
Initial rate
£
0
Upfront fee
7.1
%
APRC
3 year fixed
5.85%
Initial rate
£999
Upfront fee
7.0%
APRC
5.95%
Initial rate
£0
Upfront fee
7.0%
APRC
5 year fixed
5.51%
Initial rate
£999
Upfront fee
6.7%
APRC
5.57%
Initial rate
£0
Upfront fee
6.6%
APRC
2 year fixed
2 year fixed
3 year fixed
5 year fixed
6.14
%
Initial rate
£
999
Upfront fee
7.2
%
APRC
2 year fixed
3 year fixed
5 year fixed
6.29
%
Initial rate
£
0
Upfront fee
7.2
%
APRC
3 year fixed
5.99%
Initial rate
£999
Upfront fee
7.0%
APRC
6.09%
Initial rate
£0
Upfront fee
7.0%
APRC
5 year fixed
5.72%
Initial rate
£999
Upfront fee
6.8%
APRC
5.78%
Initial rate
£0
Upfront fee
6.7%
APRC
95% rates subject to additional criteria
A repayment mortgage of £250,000 payable over 25 years, initially on a
4.79
% fixed rate for 2 years and then on our revert rate of
7.00
% for the remaining term, would require
24
monthly payments of £
1,431.05
and
276
monthly payments of £
1,745.33
.
The total amount payable would be £
517,803.44
made up of the loan amount plus interest and a £1,746.00 conveyancing fee.
Please note your actual costs and monthly repayments will vary
.
Better mortgages, at
a fairer price
We’re doing everything we can to help more people become homeowners - that’s why we’ll keep our rates as low as we possibly can at all times.
Initial
5
-year fixed rates
Last updated:
20/3/23 9:16 am
Based on a £250,000 mortgage with a
30
% deposit, a
5
-year fixed rate with
fee
,
over a 30 year term. Source
