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FOR INTERMEDIARY AND PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.

Coventry intermediaries logo0800 121 7788 Monday to Friday 9am - 6pm

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.

All Standard Residential products are provided by Coventry Building Society.

Cashback is available on some products.

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.
FHR95
1.55% Fixed rate to 30.09.21
1.55% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS15
1.85% Fixed rate to 30.09.24
1.85% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHR96
1.89% Fixed rate to 30.09.21
1.89% 50% Application fee: None
Product fee: None
YesYesNo
FFN20
Flexx for Term
1.95% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHR97
1.95% Flexx Fixed rate to 30.09.21
1.95% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS17
2.05% Flexx Fixed rate to 30.09.24
2.05% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS16
2.05% Fixed rate to 30.09.24
2.05% 50% Application fee: None
Product fee: None
YesYesNo
FFN30
Flexx for Term
2.29% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS32
2.29% Fixed rate to 30.09.29
2.29% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHR98
1.59% Fixed rate to 30.09.21
1.59% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS11
1.75% Fixed rate to 30.09.22
1.75% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS18
1.95% Fixed rate to 30.09.24
1.95% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHR99
1.95% Fixed rate to 30.09.21
1.95% 65% Application fee: None
Product fee: None
YesYesNo
FHS01
1.99% Flexx Fixed rate to 30.09.21
1.99% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FFN22
Flexx for Term
2.05% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHS20
2.15% Flexx Fixed rate to 30.09.24
2.15% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS19
2.15% Fixed rate to 30.09.24
2.15% 65% Application fee: None
Product fee: None
YesYesNo
FHS33
2.39% Fixed rate to 30.09.29
2.39% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN31
Flexx for Term
2.39% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS02
1.69% Fixed rate to 30.09.21
1.69% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS12
1.79% Fixed rate to 30.09.22
1.79% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS21
2.05% Fixed rate to 30.09.24
2.05% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS03
2.05% Fixed rate to 30.09.21
2.05% 75% Application fee: None
Product fee: None
YesYesNo
FHS04
2.09% Flexx Fixed rate to 30.09.21
2.09% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FFN24
Flexx for Term
2.15% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHS23
2.25% Flexx Fixed rate to 30.09.24
2.25% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS22
2.25% Fixed rate to 30.09.24
2.25% 75% Application fee: None
Product fee: None
YesYesNo
FHS34
2.45% Fixed rate to 30.09.29
2.45% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN32
Flexx for Term
2.49% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS05
1.79% Fixed rate to 30.09.21
1.79% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS13
1.95% Fixed rate to 30.09.22
1.95% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS25
2.15% Fixed rate to 30.09.24
2.15% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS06
2.15% Fixed rate to 30.09.21
2.15% 85% Application fee: None
Product fee: None
YesYesNo
FHS07
2.19% Flexx Fixed rate to 30.09.21
2.19% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS24
2.19% Fixed rate to 30.09.24
2.19% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN26
Flexx for Term
2.25% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHS27
2.39% Flexx Fixed rate to 30.09.24
2.39% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS26
2.39% Fixed rate to 30.09.24
2.39% 85% Application fee: None
Product fee: None
YesYesNo
FFN33
Flexx for Term
2.59% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS35
2.59% Fixed rate to 30.09.29
2.59% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS08
1.95% Fixed rate to 30.09.21
1.95% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS14
2.15% Fixed rate to 30.09.22
2.15% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS10
2.25% Flexx Fixed rate to 30.09.21
2.25% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS09
2.25% Fixed rate to 30.09.21
2.25% 90% Application fee: None
Product fee: None
YesYesNo
FHS29
2.29% Fixed rate to 30.09.24
2.29% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN28
Flexx for Term
2.39% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHS28
2.39% Fixed rate to 30.09.24
2.39% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHS31
2.49% Flexx Fixed rate to 30.09.24
2.49% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS30
2.49% Fixed rate to 30.09.24
2.49% 90% Application fee: None
Product fee: None
YesYesNo
FFN29
Flexx for Term
2.69% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHS36
3.05% Fixed rate to 30.09.29
3.05% 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 86KB)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.