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

5.86
%
Initial rate
£
999
Upfront fee
7.5
%
APRC

2 year fixed

3 year fixed

5 year fixed

6.01
%
Initial rate
£
0
Upfront fee
7.5
%
APRC

2 year fixed

3 year fixed

5 year fixed

5 year fixed

2 year fixed

3 year fixed

5 year fixed

5.59
%
Initial rate
£
999
Upfront fee
7.0
%
APRC

2 year fixed

3 year fixed

5 year fixed

5.65
%
Initial rate
£
0
Upfront fee
7.0
%
APRC

2 year fixed

2 year fixed

3 year fixed

5 year fixed

5.86
%
Initial rate
£
999
Upfront fee
7.5
%
APRC

2 year fixed

3 year fixed

5 year fixed

6.01
%
Initial rate
£
0
Upfront fee
7.5
%
APRC

5 year fixed

2 year fixed

3 year fixed

5 year fixed

5.59
%
Initial rate
£
999
Upfront fee
7.0
%
APRC

2 year fixed

3 year fixed

5 year fixed

5.65
%
Initial rate
£
0
Upfront fee
7.0
%
APRC

2 year fixed

2 year fixed

3 year fixed

5 year fixed

5.86
%
Initial rate
£
999
Upfront fee
7.5
%
APRC

2 year fixed

3 year fixed

5 year fixed

6.01
%
Initial rate
£
0
Upfront fee
7.5
%
APRC

5 year fixed

2 year fixed

3 year fixed

5 year fixed

5.59
%
Initial rate
£
999
Upfront fee
7.0
%
APRC

2 year fixed

3 year fixed

5 year fixed

5.65
%
Initial rate
£
0
Upfront fee
7.0
%
APRC

2 year fixed

2 year fixed

3 year fixed

5 year fixed

5.86
%
Initial rate
£
999
Upfront fee
7.5
%
APRC

2 year fixed

3 year fixed

5 year fixed

6.01
%
Initial rate
£
0
Upfront fee
7.5
%
APRC

5 year fixed

2 year fixed

3 year fixed

5 year fixed

5.59
%
Initial rate
£
999
Upfront fee
7.0
%
APRC

2 year fixed

3 year fixed

5 year fixed

5.65
%
Initial rate
£
0
Upfront fee
7.0
%
APRC

2 year fixed

2 year fixed

3 year fixed

5 year fixed

6.29
%
Initial rate
£
999
Upfront fee
7.6
%
APRC

2 year fixed

3 year fixed

5 year fixed

6.44
%
Initial rate
£
0
Upfront fee
7.6
%
APRC

5 year fixed

2 year fixed

3 year fixed

5 year fixed

5.81
%
Initial rate
£
999
Upfront fee
7.1
%
APRC

2 year fixed

3 year fixed

5 year fixed

5.92
%
Initial rate
£
0
Upfront fee
7.1
%
APRC

2 year fixed

2 year fixed

3 year fixed

5 year fixed

6.29
%
Initial rate
£
999
Upfront fee
7.6
%
APRC

2 year fixed

3 year fixed

5 year fixed

6.44
%
Initial rate
£
0
Upfront fee
7.6
%
APRC

5 year fixed

2 year fixed

3 year fixed

5 year fixed

5.86
%
Initial rate
£
999
Upfront fee
7.1
%
APRC

2 year fixed

3 year fixed

5 year fixed

5.92
%
Initial rate
£
0
Upfront fee
7.1
%
APRC

2 year fixed

2 year fixed

3 year fixed

5 year fixed

6.29
%
Initial rate
£
999
Upfront fee
7.6
%
APRC

2 year fixed

3 year fixed

5 year fixed

6.44
%
Initial rate
£
0
Upfront fee
7.6
%
APRC

5 year fixed

2 year fixed

3 year fixed

5 year fixed

5.86
%
Initial rate
£
999
Upfront fee
7.1
%
APRC

2 year fixed

3 year fixed

5 year fixed

5.92
%
Initial rate
£
0
Upfront fee
7.1
%
APRC
95% rates subject to additional criteria

A repayment mortgage of £250,000 payable over 25 years, initially on a

6.01

% fixed rate for 2 years and then on our revert rate of

7.50

% for the remaining term, would require

24

monthly payments of £

1,612.28

and

276

monthly payments of £

1,833.72

.

The total amount payable would be £

546,547.17

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.