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?

Existing customer rates →
Loan to value

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.