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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.
FTM51
First Time Buyer Members 2.85% Fixed rate to 31.12.22
2.85% 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
1.39% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FFN11
Flexx for Term
1.79% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
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
FHK31
1.79% Fixed rate to 31.12.19
1.79% 50% Application fee: None
Product fee: None
YesYesNo
FHK56
1.89% Fixed rate to 31.12.22
1.89% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK73
2.09% Fixed rate to 31.12.24
2.09% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK58
2.19% Flexx Fixed rate to 31.12.22
2.19% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHK57
2.19% Fixed rate to 31.12.22
2.19% 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
FFN12
Flexx for Term
1.49% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHK48
1.69% Fixed rate to 31.12.20
1.69% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK52
1.79% Fixed rate to 31.12.21
1.79% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN13
Flexx for Term
1.89% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
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
FHK34
1.89% Fixed rate to 31.12.19
1.89% 65% Application fee: None
Product fee: None
YesYesNo
FHK59
1.95% Fixed rate to 31.12.22
1.95% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
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
FHK60
2.25% Fixed rate to 31.12.22
2.25% 65% Application fee: None
Product fee: None
YesYesNo
FHK61
2.25% Flexx Fixed rate to 31.12.22
2.25% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
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
FFN14
Flexx for Term
1.55% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHK49
1.75% Fixed rate to 31.12.20
1.75% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK53
1.85% Fixed rate to 31.12.21
1.85% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN15
Flexx for Term
1.95% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
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
FHK37
1.95% Fixed rate to 31.12.19
1.95% 75% Application fee: None
Product fee: None
YesYesNo
FHK62
2.09% Fixed rate to 31.12.22
2.09% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK75
2.29% Fixed rate to 31.12.24
2.29% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK63
2.39% Fixed rate to 31.12.22
2.39% 75% Application fee: None
Product fee: None
YesYesNo
FHK64
2.39% Flexx Fixed rate to 31.12.22
2.39% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
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
FFN16
Flexx for Term
1.75% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHK50
1.95% Fixed rate to 31.12.20
1.95% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK54
2.05% Fixed rate to 31.12.21
2.05% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN17
Flexx for Term
2.15% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
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
FHK43
2.15% Fixed rate to 31.12.19
2.15% 85% Application fee: None
Product fee: None
YesYesNo
FHK65
2.25% Fixed rate to 31.12.22
2.25% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK76
2.45% Fixed rate to 31.12.24
2.45% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK67
2.55% Flexx Fixed rate to 31.12.22
2.55% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHK66
2.55% Fixed rate to 31.12.22
2.55% 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
FFN18
Flexx for Term
2.45% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHK51
2.55% Fixed rate to 31.12.20
2.55% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK55
2.65% Fixed rate to 31.12.21
2.65% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHK81
2.69% Fixed rate to 31.12.22
2.69% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
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
FFN19
Flexx for Term
2.85% 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
FHK83
3.05% Flexx Fixed rate to 31.12.22
3.05% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHK82
3.05% Fixed rate to 31.12.22
3.05% 90% Application fee: None
Product fee: None
YesYesNo
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.