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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 selected 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.
FTM52
First Time Buyer Members 2.69% Fixed rate to 31.12.22
2.69% 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.
FHK30
1.29% Fixed rate to 31.12.19
1.29% 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
FHK31
1.79% Fixed rate to 31.12.19
1.79% 50% Application fee: None
Product fee: None
YesYesNo
FHL07
1.79% Fixed rate to 31.12.22
1.79% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK32
1.79% Flexx Fixed rate to 31.12.19
1.79% 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
FHK73
2.09% Fixed rate to 31.12.24
2.09% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHL09
2.09% Flexx Fixed rate to 31.12.22
2.09% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHL08
2.09% Fixed rate to 31.12.22
2.09% 50% Application fee: None
Product fee: None
YesYesNo
FHK71
2.65% Fixed rate to 31.12.27
2.65% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK33
1.39% Fixed rate to 31.12.19
1.39% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK94
1.60% Fixed rate to 31.12.19
1.60% 65% Application fee: None
Product fee: None
YesYesNo
FHK48
1.69% Fixed rate to 31.12.20
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
FHL10
1.85% Fixed rate to 31.12.22
1.85% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK34
1.89% Fixed rate to 31.12.19
1.89% 65% Application fee: None
Product fee: None
YesYesNo
FHK35
1.89% Flexx Fixed rate to 31.12.19
1.89% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FFN13
Flexx for Term
2.14% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHL12
2.15% Flexx Fixed rate to 31.12.22
2.15% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHL11
2.15% Fixed rate to 31.12.22
2.15% 65% Application fee: None
Product fee: None
YesYesNo
FHK74
2.19% Fixed rate to 31.12.24
2.19% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK72
2.75% Fixed rate to 31.12.27
2.75% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK36
1.45% Fixed rate to 31.12.19
1.45% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK98
1.70% Fixed rate to 31.12.19
1.70% 75% Application fee: None
Product fee: None
YesYesNo
FHK49
1.75% Fixed rate to 31.12.20
1.75% 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
FHK37
1.95% Fixed rate to 31.12.19
1.95% 75% Application fee: None
Product fee: None
YesYesNo
FHK38
1.95% Flexx Fixed rate to 31.12.19
1.95% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHL13
1.99% Fixed rate to 31.12.22
1.99% 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
FHK75
2.29% Fixed rate to 31.12.24
2.29% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHL15
2.29% Flexx Fixed rate to 31.12.22
2.29% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHL14
2.29% Fixed rate to 31.12.22
2.29% 75% Application fee: None
Product fee: None
YesYesNo
FHK78
2.79% Fixed rate to 31.12.27
2.79% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK39
1.55% Fixed rate to 31.12.19
1.55% 80% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK40
2.05% Fixed rate to 31.12.19
2.05% 80% Application fee: None
Product fee: None
YesYesNo
FHK41
2.05% Flexx Fixed rate to 31.12.19
2.05% 80% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHK42
1.59% Fixed rate to 31.12.19
1.59% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHL06
1.80% Fixed rate to 31.12.19
1.80% 85% Application fee: None
Product fee: None
YesYesNo
FHK50
1.95% Fixed rate to 31.12.20
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
FHK43
2.15% Fixed rate to 31.12.19
2.15% 85% Application fee: None
Product fee: None
YesYesNo
FHL19
2.15% Fixed rate to 31.12.22
2.15% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK44
2.15% Flexx Fixed rate to 31.12.19
2.15% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FFN17
Flexx for Term
2.40% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHK76
2.45% Fixed rate to 31.12.24
2.45% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHL21
2.45% Flexx Fixed rate to 31.12.22
2.45% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHL20
2.45% Fixed rate to 31.12.22
2.45% 85% Application fee: None
Product fee: None
YesYesNo
FHK79
2.95% Fixed rate to 31.12.27
2.95% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK45
2.19% Fixed rate to 31.12.19
2.19% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK51
2.55% Fixed rate to 31.12.20
2.55% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK84
2.59% Fixed rate to 31.12.22
2.59% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN18
Flexx for Term
2.70% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHK46
2.75% Fixed rate to 31.12.19
2.75% 90% Application fee: None
Product fee: None
YesYesNo
FHK47
2.75% Flexx Fixed rate to 31.12.19
2.75% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHK85
2.89% Fixed rate to 31.12.22
2.89% 90% Application fee: None
Product fee: None
YesYesNo
FHK86
2.89% Flexx Fixed rate to 31.12.22
2.89% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHK77
3.05% Fixed rate to 31.12.24
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
FHK80
3.39% Fixed rate to 31.12.27
3.39% 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.