Mortgage Commentary

Latest mortgage rate deals

James Caldwell / 23 May 2012

Mortgage rates are constantly changing and the deals available from one week to the next make finding the best mortgage rate for your circumstances not always an easy task. We have put together a se... Read more

Over £250 billion of UK Mortgages not covered by life insurance

Colm Hebblethwaite / 09 November 2011

A large number of people in the UK have taken out a mortgage in order to get their feet firmly on the property ladder, but a new study has shown that a substantial amount of these people do not have... Read more

104% increase in buy to let mortgage deals over the last three years

Colm Hebblethwaite / 27 October 2011

New statistics released by Defaqto have revealed that the amount of buy to let mortgage deals on the market has risen by 104% since 2008. In October 2008, there were 237 buy to let mortgage pr... Read more

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First Time Buyer Mortgages

Up to 90% LTV Investments

If you are buying your first home, you will need to compare the first time buyer mortgages available on the market. Most first time buyer mortgages come with a high loan to value, meaning your deposit could be as little as 10% of the total value. For a quick and easy comparison see below for some of the best first time buyer mortgages on the market, or, if you need advice, we can put you in touch with our award winning mortgage advice partner.

First Time Buyer Mortgage Deal Selection - Call Direct

Initial Rate	Term	Type	APR*	LTV
3.19%	2 Years	Tracker	4.10%	75%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist £999 product fee.
3.19%	2 Years	Tracker	4.10%	75%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialis £999 product fee
3.49%	2 Years	Fixed Rate	4.50%	80%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 product fee
4.79%	2 Years	Fixed Rate NewBuy Scheme	4.30%	95%	More Info >
Call 0800 158 2934 to speak to a Natwest mortgage specialist. New purchase only. £499 product fee.
4.99%	2 Years	Fixed Rate	4.80%	90%	More Info >
Call 0808 168 45 88 to speak to Post Office mortgage specialist Available to all customers £995 product fee
6.09%	5 Years	Fixed Rate	5.10%	90%	More Info >
Call 0800 158 2934 to speak to a Natwest mortgage specialist. New purchase only. Fee free.

*APR = Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker

Mortgage Deal Selection - Call Lender Direct

Initial Rate	Term	Type	APR*	LTV
2.69%	2 Years	Tracker	4.00%	60%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist £999 product fee
2.69%	2 Years	Tracker	4.00%	60%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialis £999 product fee
3.09%	2 years	Tracker	4.40%	75%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 arrangement fee
3.49%	2 Years	Fixed Rate	4.50%	80%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 product fee
3.79%	2 Years	Fixed Rate	4.50%	85%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 product fee

*APR = Overall Cost for Comparison

Compare Mortgages for First Time Buyers

If you are new to mortgages as a first time buyer there are a number of things you need to be aware of. Firstly a mortgage is a loan which is secured against your home and as such if for any reason you cannot repay it the lender can sell your home to recover their money. In selecting a mortgage you should:

Seek to ensure that the mortgage suits your circumstances
Ensure you borrow what you can afford
Build in flexibility so that if your circumstances change there is room to adapt e.g. a change of job

In selecting a mortgage you have different options. You can go to a lender direct who will provide help and assistance about their own mortgage products or you can use the service of a mortgage broker who will be able to look at a wider panel of mortgage products. Our website provides you with both options. Whether you go direct to a lender or to a broker ensure that the firm you are dealing with are regulated by the Financial Services Authority. If they are not you will not have access to a complaints and compensation procedure if anything goes wrong.