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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.
FTM59
First Time Buyer Members 2.55% Fixed rate to 30.09.23
2.55% 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.
FHP04
1.55% Fixed rate to 30.09.20
1.55% 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
FHP42
1.85% Fixed rate to 30.09.20
1.85% 50% Application fee: None
Product fee: None
YesYesNo
FHP48
1.94% Fixed rate to 30.09.23
1.94% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP06
1.95% Flexx Fixed rate to 30.09.20
1.95% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FFN11
Flexx for Term
2.04% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN93
2.09% Fixed rate to 30.09.25
2.09% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP50
2.14% Flexx Fixed rate to 30.09.23
2.14% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP49
2.14% Fixed rate to 30.09.23
2.14% 50% Application fee: None
Product fee: None
YesYesNo
FHN98
2.39% Fixed rate to 30.09.28
2.39% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP07
1.65% Fixed rate to 30.09.20
1.65% 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
FHP21
1.75% Fixed rate to 30.09.21
1.75% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP43
1.95% Fixed rate to 30.09.20
1.95% 65% Application fee: None
Product fee: None
YesYesNo
FHP09
2.05% Flexx Fixed rate to 30.09.20
2.05% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP28
2.05% Fixed rate to 30.09.23
2.05% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN13
Flexx for Term
2.14% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN94
2.19% Fixed rate to 30.09.25
2.19% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP30
2.25% Flexx Fixed rate to 30.09.23
2.25% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP29
2.25% Fixed rate to 30.09.23
2.25% 65% Application fee: None
Product fee: None
YesYesNo
FHN99
2.49% Fixed rate to 30.09.28
2.49% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP10
1.75% Fixed rate to 30.09.20
1.75% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP22
1.79% Fixed rate to 30.09.21
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
FHP44
2.05% Fixed rate to 30.09.20
2.05% 75% Application fee: None
Product fee: None
YesYesNo
FHP12
2.15% Flexx Fixed rate to 30.09.20
2.15% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP31
2.15% Fixed rate to 30.09.23
2.15% 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
FHN95
2.29% Fixed rate to 30.09.25
2.29% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP32
2.35% Fixed rate to 30.09.23
2.35% 75% Application fee: None
Product fee: None
YesYesNo
FHP33
2.35% Flexx Fixed rate to 30.09.23
2.35% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP01
2.55% Fixed rate to 30.09.28
2.55% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP14
1.85% Fixed rate to 30.09.20
1.85% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP23
1.89% Fixed rate to 30.09.21
1.89% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP45
1.99% Fixed rate to 30.09.20
1.99% 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
FHP46
2.15% Fixed rate to 30.09.20
2.15% 85% Application fee: None
Product fee: None
YesYesNo
FHP35
2.19% Fixed rate to 30.09.23
2.19% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP16
2.25% Flexx Fixed rate to 30.09.20
2.25% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP34
2.25% Fixed rate to 30.09.23
2.25% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN17
Flexx for Term
2.40% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHN96
2.45% Fixed rate to 30.09.25
2.45% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP37
2.45% Flexx Fixed rate to 30.09.23
2.45% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP36
2.45% Fixed rate to 30.09.23
2.45% 85% Application fee: None
Product fee: None
YesYesNo
FHP02
2.69% Fixed rate to 30.09.28
2.69% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP47
1.99% Fixed rate to 30.09.20
1.99% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP17
2.15% Fixed rate to 30.09.20
2.15% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP24
2.19% Fixed rate to 30.09.21
2.19% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP20
2.29% Flexx Fixed rate to 30.09.20
2.29% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHP19
2.29% Fixed rate to 30.09.20
2.29% 90% Application fee: None
Product fee: None
YesYesNo
FHP39
2.39% Fixed rate to 30.09.23
2.39% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP38
2.45% Fixed rate to 30.09.23
2.45% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHP40
2.65% Fixed rate to 30.09.23
2.65% 90% Application fee: None
Product fee: None
YesYesNo
FHP41
2.65% Flexx Fixed rate to 30.09.23
2.65% 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
FHN97
3.05% Fixed rate to 30.09.25
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
FHP03
3.15% Fixed rate to 30.09.28
3.15% 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.