First time buyers, Getting those keys just got a bit easier

Buying your first home isn't easy and can seem like a distant dream, however with our 90% loan to value mortgages for first time buyers that dream can become reality.

First time buyer's guide

See our first time buyer's guide for step-by-step guidance on buying your first home.

Step-up scheme

Get a little extra help with our Step-Up scheme.

First time buyer mortgages

If you like what you see apply online, call us on 0845 601 5216 or visit your nearest branch.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage product	Current rate	Term	Overall cost for comparison is	Early Repayment Charge	Max LTV	How to apply

4.19% Fixed rate to 30.06.15 More information including fees	4.19%	4.19% Fixed rate to 30.06.15 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.7% APR	Yes	90%	Apply online Call us on 0845 601 5216 or visit your nearest branch
4.75% Fixed rate to 30.06.18 More information including fees	4.75%	4.75% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.8% APR	Yes	90%	Apply online Call us on 0845 601 5216 or visit your nearest branch
4.95% Fixed rate to 30.06.18 More information including fees	4.95%	4.95% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.8% APR	Yes	90%	Apply online Call us on 0845 601 5216 or visit your nearest branch
3.49% Fixed rate to 30.06.15 More information including fees	3.49%	3.49% Fixed rate to 30.06.15 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.6% APR	Yes	85%	Apply online Call us on 0845 601 5216 or visit your nearest branch
4.19% Fixed rate to 30.06.18 More information including fees	4.19%	4.19% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.6% APR	Yes	85%	Apply online Call us on 0845 601 5216 or visit your nearest branch
Flexx for Term More information including fees	2.99%	Variable rate for term, currently 2.99%.	3.1% APR	No	80%	Apply online Call us on 0845 601 5216 or visit your nearest branch
3.09% Fixed rate to 30.06.15 More information including fees	3.09%	3.09% Fixed rate to 30.06.15 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.4% APR	Yes	80%	Apply online Call us on 0845 601 5216 or visit your nearest branch
3.69% Fixed rate to 30.06.18 More information including fees	3.69%	3.69% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.3% APR	Yes	80%	Apply online Call us on 0845 601 5216 or visit your nearest branch
2.45% Fixed rate to 30.06.15 More information including fees	2.45%	2.45% Fixed rate to 30.06.15 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.4% APR	Yes	75%	Apply online Call us on 0845 601 5216 or visit your nearest branch
Flexx for Term More information including fees	2.55%	Variable rate for term, currently 2.55%.	2.7% APR	No	75%	Apply online Call us on 0845 601 5216 or visit your nearest branch
3.09% Fixed rate to 30.06.18 More information including fees	3.09%	3.09% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.1% APR	Yes	75%	Apply online Call us on 0845 601 5216 or visit your nearest branch
2.25% Fixed rate to 30.06.15 More information including fees	2.25%	2.25% Fixed rate to 30.06.15 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.3% APR	Yes	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch
Flexx for Term More information including fees	2.35%	Variable rate for term, currently 2.35%.	2.5% APR	No	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch
2.35% Fixed rate to 30.06.15 More information including fees	2.35%	2.35% Fixed rate to 30.06.15 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.3% APR	Yes	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch
Flexx for Term More information including fees	2.45%	Variable rate for term, currently 2.45%.	2.5% APR	No	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch
2.45% Fixed rate to 30.06.15 More information including fees	2.45%	2.45% Fixed rate to 30.06.15 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.3% APR	Yes	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch
2.69% Flexx Fixed rate to 30.06.16 More information including fees	2.69%	2.69% Flexx Fixed rate until 30.06.16 Followed by Standard Variable Rate to 30.06.18, currently 4.74%. Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.2% APR	No	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch
2.85% Fixed rate to 30.06.18 More information including fees	2.85%	2.85% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.0% APR	Yes	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch
2.95% Fixed rate to 30.06.18 More information including fees	2.95%	2.95% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.0% APR	Yes	65%	Apply online Call us on 0845 601 5216 or visit your nearest branch

If you, your parent/guardian or your grand parents have been members of the Society consecutively for the last 3 years or more, you may also be eligible for our First Time Buyers Members' Mortgage.

Mortgage product	Current rate	Term	Overall cost for comparison is	Early Repayment Charge	Max LTV	How to apply

First Time Buyer Members 4.85% Fixed rate to 30.06.18 More information including fees	4.85%	4.85% Fixed rate until 30.06.18 Followed by Privilege Rate for the remainder of the mortgage, currently 4.49%.	4.8% APR	Yes	90%	Call us on 0845 601 5216 or visit your nearest branch

Privilege Mortgage Rate is a special rate for qualifying Coventry Residential mortgage customers. To qualify, customers must currently be a Coventry Residential borrower on a Coventry product (or Coventry SVR linked product), and have held this product for the last 5 years.

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