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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 caseFirst 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 may be available on selected fixed Purchase and First Time Buyer completions.
Standard Residential products
| Product name and code | Current rate | Max 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. |
|---|---|---|---|---|---|---|
IO005 Interest-only Fixed rate to 31.12.22 | 1.79% | 50% | Application fee: None Product fee: £999 (can be added to mortgage) |  | |  |
IO007 Interest-only Fixed rate to 31.12.25 | 1.99% | 50% | Application fee: None Product fee: £999 (can be added to mortgage) | | | |
IO006 Interest-only Fixed rate to 31.12.22 | 2.19% | 50% | Application fee: None Product fee: None | | | |
IO008 Interest-only Fixed rate to 31.12.25 | 2.29% | 50% | Application fee: None Product fee: None | | | |
FHX45 1.69% Fixed rate to 31.12.22 | 1.69% | 65% | Application fee: None Product fee: £999 (can be added to mortgage) | | | |
FHX49 1.89% Fixed rate to 31.12.25 | 1.89% | 65% | Application fee: None Product fee: £999 (can be added to mortgage) | | | |
FHX46 2.09% Fixed rate to 31.12.22 | 2.09% | 65% | Application fee: None Product fee: None | | | |
FHX50 2.19% Fixed rate to 31.12.25 | 2.19% | 65% | Application fee: None Product fee: None | | | |
FHX47 1.89% Fixed rate to 31.12.22 | 1.89% | 75% | Application fee: None Product fee: £999 (can be added to mortgage) | | | |
FHX51 2.15% Fixed rate to 31.12.25 | 2.15% | 75% | Application fee: None Product fee: £999 (can be added to mortgage) | | | |
FHX48 2.35% Fixed rate to 31.12.22 | 2.35% | 75% | Application fee: None Product fee: None | | | |
FHX52 2.45% Fixed rate to 31.12.25 | 2.45% | 75% | Application fee: None Product fee: None | | | |
FHX33 2.95% Fixed rate to 31.12.22 | 2.95% | 85% | Application fee: None Product fee: £999 (can be added to mortgage) | | | |
FHX40 3.05% Fixed rate to 31.12.25 | 3.05% | 85% | Application fee: None Product fee: £999 (can be added to mortgage) | | | |
FHX34 3.19% Fixed rate to 31.12.22 | 3.19% | 85% | Application fee: None Product fee: None | | | |
FHX41 3.29% Fixed rate to 31.12.25 | 3.29% | 85% | Application fee: None Product fee: None | | | |
FHX35 3.39% Fixed rate to 31.12.22 (Product Transfer Only) | 3.39% | 90% | Application fee: None Product fee: None | | | |
FHX42 3.59% Fixed rate to 31.12.25 (Product Transfer Only) | 3.59% | 90% | Application fee: None Product fee: None | | | |
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 112KB)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.