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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, that dream can become reality.

Calculators
First time buyer's guide

Get in touch

Call us to apply, get a quote or discuss your options
0800 121 6263
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First time buyer products

If you like what you see call us on 0800 121 8899 or visit your nearest branch.

Mortgage
product
Current rateTermOverall cost for comparison isEarly Repayment ChargeMax LTVMore information
Flexx for Term2.35% Variable rate for term, currently 2.35%.

2.5% APRC No90%
2.45% Fixed rate to 30.09.182.45% 2.45% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.1% APRC Yes90%
Flexx for Term2.55% Variable rate for term, currently 2.55%.

2.6% APRC No90%
2.59% Fixed rate to 30.09.192.59% 2.59% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes90%
2.85% Fixed rate to 30.09.182.85% 2.85% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.1% APRC Yes90%
2.85% Flexx Fixed rate to 30.09.182.85% 2.85% Flexx Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.2% APRC No90%
2.89% Fixed rate to 30.09.192.89% 2.89% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes90%
2.99% Fixed rate to 30.09.212.99% 2.99% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC Yes90%
3.15% Fixed rate to 30.09.213.15% 3.15% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC Yes90%
3.15% Flexx Fixed rate to 30.09.213.15% 3.15% Flexx Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC No90%
Flexx for Term1.89% Variable rate for term, currently 1.89%.

2.0% APRC No85%
1.99% Fixed rate to 30.09.181.99% 1.99% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.1% APRC Yes85%
Flexx for Term2.09% Variable rate for term, currently 2.09%.

2.2% APRC No85%
2.15% Fixed rate to 30.09.192.15% 2.15% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC Yes85%
2.39% Flexx Fixed rate to 30.09.182.39% 2.39% Flexx Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.1% APRC No85%
2.39% Fixed rate to 30.09.182.39% 2.39% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes85%
2.45% Fixed rate to 30.09.212.45% 2.45% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.7% APRC Yes85%
2.45% Fixed rate to 30.09.192.45% 2.45% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC Yes85%
2.55% Fixed rate to 31.12.232.55% 2.55% Fixed rate to 31.12.23

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.5% APRC Yes85%
2.69% Flexx Fixed rate to 30.09.212.69% 2.69% Flexx Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.7% APRC No85%
2.69% Fixed rate to 30.09.212.69% 2.69% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.7% APRC Yes85%
1.89% Fixed rate to 30.09.181.89% 1.89% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes80%
2.29% Fixed rate to 30.09.182.29% 2.29% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes80%
2.29% Fixed rate to 30.09.212.29% 2.29% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.6% APRC Yes80%
2.29% Flexx Fixed rate to 30.09.182.29% 2.29% Flexx Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.1% APRC No80%
2.55% Flexx Fixed rate to 30.09.212.55% 2.55% Flexx Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.7% APRC No80%
2.55% Fixed rate to 30.09.212.55% 2.55% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.6% APRC Yes80%
Flexx for Term1.69% Variable rate for term, currently 1.69%.

1.8% APRC No75%
+1.49% Bank Base Rate Flexx Tracker to 30.09.181.74% A +1.49% Base Rate Flexx Tracker to 30.09.18, currently 1.74%

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC No75%
1.79% Fixed rate to 30.09.181.79% 1.79% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes75%
Flexx for Term1.89% Variable rate for term, currently 1.89%.

2.0% APRC No75%
2.05% Fixed rate to 30.09.192.05% 2.05% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC Yes75%
2.19% Fixed rate to 30.09.182.19% 2.19% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes75%
2.19% Fixed rate to 30.09.212.19% 2.19% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.6% APRC Yes75%
2.19% Flexx Fixed rate to 30.09.182.19% 2.19% Flexx Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.1% APRC No75%
2.29% Fixed rate to 31.12.232.29% 2.29% Fixed rate to 31.12.23

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.3% APRC Yes75%
2.35% Fixed rate to 30.09.192.35% 2.35% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC Yes75%
2.39% Flexx Fixed rate to 30.09.212.39% 2.39% Flexx Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.6% APRC No75%
2.39% Fixed rate to 30.09.212.39% 2.39% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.6% APRC Yes75%
+1.35% Bank Base Rate Flexx Tracker to 30.09.181.60% A +1.35% Base Rate Flexx Tracker to 30.09.18, currently 1.60%

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC No65%
Flexx for Term1.65% Variable rate for term, currently 1.65%.

1.8% APRC No65%
1.75% Fixed rate to 30.09.181.75% 1.75% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes65%
Flexx for Term1.85% Variable rate for term, currently 1.85%.

1.9% APRC No65%
1.89% Fixed rate to 30.09.191.89% 1.89% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.8% APRC Yes65%
2.04% Fixed rate to 30.09.212.04% 2.04% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.5% APRC Yes65%
2.09% Fixed rate to 31.12.232.09% 2.09% Fixed rate to 31.12.23

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.2% APRC Yes65%
2.15% Fixed rate to 30.09.182.15% 2.15% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes65%
2.15% Flexx Fixed rate to 30.09.182.15% 2.15% Flexx Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC No65%
2.19% Fixed rate to 30.09.192.19% 2.19% Fixed rate to 30.09.19

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.8% APRC Yes65%
2.25% Fixed rate to 30.09.212.25% 2.25% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.5% APRC Yes65%
2.25% Flexx Fixed rate to 30.09.212.25% 2.25% Flexx Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.6% APRC No65%
2.49% Fixed rate to 30.09.262.49% 2.49% Fixed rate to 30.09.26

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.2% APRC Yes65%
2.79% Fixed rate to 30.09.262.79% 2.79% Fixed rate to 30.09.26

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.3% APRC Yes65%
1.49% Fixed rate to 30.09.181.49% 1.49% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC Yes50%
1.79% Fixed rate to 30.09.181.79% 1.79% Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.9% APRC Yes50%
1.79% Flexx Fixed rate to 30.09.181.79% 1.79% Flexx Fixed rate to 30.09.18

Followed by Standard Variable Rate to 30.09.21, currently 4.49%.

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

4.0% APRC No50%
1.89% Fixed rate to 30.09.211.89% 1.89% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.4% APRC Yes50%
1.99% Fixed rate to 31.12.231.99% 1.99% Fixed rate to 31.12.23

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.2% APRC Yes50%
1.99% Flexx Fixed rate to 30.09.211.99% 1.99% Flexx Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.4% APRC No50%
1.99% Fixed rate to 30.09.211.99% 1.99% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.4% APRC Yes50%
2.39% Fixed rate to 30.09.262.39% 2.39% Fixed rate to 30.09.26

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.1% APRC Yes50%
2.69% Fixed rate to 30.09.262.69% 2.69% Fixed rate to 30.09.26

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.3% APRC Yes50%

First time buyer members' mortgages

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 rateTermOverall cost for comparison isEarly Repayment ChargeMax LTVMore information
First Time Buyer Members 3.05% Fixed rate to 30.09.213.05% 3.05% Fixed rate to 30.09.21

Followed by Privilege Rate for the remainder of the mortgage, currently 4.24%.

3.8% APRC Yes90%

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.

Overall cost of a mortgage

To help understand the typical cost of a first time buyer mortgage, please see the representative example below.

Representative example

INTFIXPRV

The total amount payable would be £190,853.05 made up of the loan amount plus interest of £70,417.05, a valuation fee of £210.00 and a money transfer fee of £8.00.

The overall cost for comparison is 4.1% APRC representative.

For an example of overall cost on one of the products shown above, select ‘Find out more’.

Coventry Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number 150892 www.fca.org.uk Opens new website in another window). This site is intended for UK residents only. Coventry Building Society. Registered Office: Economic House, PO Box 9, High Street, Coventry CV1 5QN.

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