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First time buyer products

Product code search

First time buyer quick links

When you have chosen your product from the table below you can use these quick links to check your client's eligibility using our standalone affordability calculator and lending policy, before creating your case.

Affordability calculator Lending policy Create case

First time buyer product range

First time buyers can apply for any mortgage from our current residential range subject to lending policy. For details on these products view our Standard Residential products below. Your clients may also be eligible for our First Time Buyer Members’ mortgage you can find more details below.

First Time Buyer Members’ mortgage

If your client is looking to buy their first property and they (or their (grand)parents/guardian/close relative) have held a savings or current account (or in the case of the (grand)parents/guardian/close relative - a Coventry Building Society mortgage) with us consecutively for the last three years they are eligible to apply for the First Time Buyer Members’ mortgage.

The First Time Buyer Members' product and all Standard Residential products are provided by Coventry Building Society.

Cashback is available on fixed Purchase and First Time Buyer completions.

Product name
and code
Current rateMax
LTV
Application and
Product Fees
RMTS incl. RMTS stands for Remortgage Transfer Service. Find out more about this service here.Valuation incl. Where a valuation is included, please see product details for the maximum value. ERC-
free Where an Early Repayment Charge is payable, please see product details for further information.
FTM55
First Time Buyer Members 2.59% Fixed rate to 30.06.23
2.59% 90% Application fee: None
Product fee: None
NoYesNo

Standard Residential products

Product name
and code
Current rateMax
LTV
Application and
Product Fees
RMTS incl. RMTS stands for Remortgage Transfer Service. Find out more about this service here.Valuation incl. Where a valuation is included, please see product details for the maximum value. ERC-
free Where an Early Repayment Charge is payable, please see product details for further information.
FHN02
1.59% Fixed rate to 30.06.20
1.59% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN10
Flexx for Term
1.64% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHM76
1.99% Fixed rate to 30.06.23
1.99% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN04
1.99% Flexx Fixed rate to 30.06.20
1.99% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN03
1.99% Fixed rate to 30.06.20
1.99% 50% Application fee: None
Product fee: None
YesYesNo
FFN11
Flexx for Term
2.04% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM91
2.09% Fixed rate to 30.06.25
2.09% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHM77
2.19% Fixed rate to 30.06.23
2.19% 50% Application fee: None
Product fee: None
YesYesNo
FHM78
2.19% Flexx Fixed rate to 30.06.23
2.19% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM96
2.49% Fixed rate to 30.06.28
2.49% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN05
1.69% Fixed rate to 30.06.20
1.69% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN12
Flexx for Term
1.74% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHN17
1.79% Fixed rate to 30.06.21
1.79% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHM79
2.09% Fixed rate to 30.06.23
2.09% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN07
2.09% Flexx Fixed rate to 30.06.20
2.09% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN06
2.09% Fixed rate to 30.06.20
2.09% 65% Application fee: None
Product fee: None
YesYesNo
FFN13
Flexx for Term
2.14% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM92
2.19% Fixed rate to 30.06.25
2.19% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHM80
2.29% Fixed rate to 30.06.23
2.29% 65% Application fee: None
Product fee: None
YesYesNo
FHM81
2.29% Flexx Fixed rate to 30.06.23
2.29% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM97
2.59% Fixed rate to 30.06.28
2.59% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN08
1.79% Fixed rate to 30.06.20
1.79% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN14
Flexx for Term
1.80% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHN18
1.85% Fixed rate to 30.06.21
1.85% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN10
2.19% Flexx Fixed rate to 30.06.20
2.19% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN09
2.19% Fixed rate to 30.06.20
2.19% 75% Application fee: None
Product fee: None
YesYesNo
FHM82
2.19% Fixed rate to 30.06.23
2.19% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN15
Flexx for Term
2.20% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM93
2.29% Fixed rate to 30.06.25
2.29% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHM83
2.39% Fixed rate to 30.06.23
2.39% 75% Application fee: None
Product fee: None
YesYesNo
FHM84
2.39% Flexx Fixed rate to 30.06.23
2.39% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM98
2.65% Fixed rate to 30.06.28
2.65% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN11
1.89% Fixed rate to 30.06.20
1.89% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN19
1.95% Fixed rate to 30.06.21
1.95% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN16
Flexx for Term
2.00% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHM85
2.25% Fixed rate to 30.06.23
2.25% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN13
2.29% Flexx Fixed rate to 30.06.20
2.29% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN12
2.29% Fixed rate to 30.06.20
2.29% 85% Application fee: None
Product fee: None
YesYesNo
FFN17
Flexx for Term
2.40% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM94
2.45% Fixed rate to 30.06.25
2.45% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHM86
2.49% Fixed rate to 30.06.23
2.49% 85% Application fee: None
Product fee: None
YesYesNo
FHM87
2.49% Flexx Fixed rate to 30.06.23
2.49% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM99
2.79% Fixed rate to 30.06.28
2.79% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN14
1.95% Fixed rate to 30.06.20
1.95% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHM75
2.25% Fixed rate to 30.06.21
2.25% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHN15
2.35% Fixed rate to 30.06.20
2.35% 90% Application fee: None
Product fee: None
YesYesNo
FHN16
2.35% Flexx Fixed rate to 30.06.20
2.35% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHM88
2.45% Fixed rate to 30.06.23
2.45% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHM89
2.69% Fixed rate to 30.06.23
2.69% 90% Application fee: None
Product fee: None
YesYesNo
FHM90
2.69% Flexx Fixed rate to 30.06.23
2.69% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FFN18
Flexx for Term
2.70% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHM95
3.05% Fixed rate to 30.06.25
3.05% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN19
Flexx for Term
3.10% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN01
3.25% Fixed rate to 30.06.28
3.25% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo

Making your application

To help you provide the best possible service to your client and to avoid incurring unnecessary costs please check that your client’s circumstances meet our residential lending policy before submitting their application.

Then produce a DIP and, subject to our acceptance at this point, proceed to a full application.

Together we can get your client’s case moving. Help our underwriters process cases efficiently by reading our residential submission guidelines (PDF 64KB)Opens in a new window.

Application and valuation fees (where applicable) are payable on application, and are non-refundable. The application will not be processed until these fees are received. This means the product is not reserved and a valuation will not be instructed.

Privilege Rate

Our Privilege Rate is only available to existing borrowers of Coventry Building Society, with a Residential owner-occupier mortgage, who have remained on the same mortgage product and/orthe Society's Standard Variable Rate (SVR) for a total period of five years or more. The Privilege Rate, which is variable, is set independently of, but will not be higher than, the SVR.