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

Coventry intermediaries logo0800 121 7788 Monday to Friday 9am - 6pm. Closed on bank holidays.

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.
FHT49
1.29% Fixed rate to 30.09.21
1.29% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT68
1.65% Fixed rate to 30.09.24
1.65% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT50
1.69% Fixed rate to 30.09.21
1.69% 50% Application fee: None
Product fee: None
YesYesNo
FHT51
1.69% Flexx Fixed rate to 30.09.21
1.69% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT70
1.85% Flexx Fixed rate to 30.09.24
1.85% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT69
1.85% Fixed rate to 30.09.24
1.85% 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
FHT44
2.20% Fixed rate to 30.09.29
2.20% 50% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN30
Flexx for Term
2.29% 50% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT52
1.39% Fixed rate to 30.09.21
1.39% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT64
1.55% Fixed rate to 30.09.22
1.55% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT71
1.75% Fixed rate to 30.09.24
1.75% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT53
1.79% Fixed rate to 30.09.21
1.79% 65% Application fee: None
Product fee: None
YesYesNo
FHT54
1.79% Flexx Fixed rate to 30.09.21
1.79% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT73
1.95% Flexx Fixed rate to 30.09.24
1.95% 65% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT72
1.95% Fixed rate to 30.09.24
1.95% 65% Application fee: None
Product fee: None
YesYesNo
FFN22
Flexx for Term
2.05% 65% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHT45
2.30% Fixed rate to 30.09.29
2.30% 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
FHT55
1.49% Fixed rate to 30.09.21
1.49% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT65
1.59% Fixed rate to 30.09.22
1.59% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT74
1.85% Fixed rate to 30.09.24
1.85% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT56
1.89% Fixed rate to 30.09.21
1.89% 75% Application fee: None
Product fee: None
YesYesNo
FHT57
1.89% Flexx Fixed rate to 30.09.21
1.89% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT76
2.05% Flexx Fixed rate to 30.09.24
2.05% 75% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT75
2.05% Fixed rate to 30.09.24
2.05% 75% Application fee: None
Product fee: None
YesYesNo
FFN24
Flexx for Term
2.15% 75% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHT46
2.35% Fixed rate to 30.09.29
2.35% 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
FHT58
1.59% Fixed rate to 30.09.21
1.59% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT66
1.85% Fixed rate to 30.09.22
1.85% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT78
1.95% Fixed rate to 30.09.24
1.95% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT59
1.99% Fixed rate to 30.09.21
1.99% 85% Application fee: None
Product fee: None
YesYesNo
FHT60
1.99% Flexx Fixed rate to 30.09.21
1.99% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT77
2.09% Fixed rate to 30.09.24
2.09% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT79
2.19% Fixed rate to 30.09.24
2.19% 85% Application fee: None
Product fee: None
YesYesNo
FHT80
2.19% Flexx Fixed rate to 30.09.24
2.19% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FFN26
Flexx for Term
2.25% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesYes
FHT47
2.50% Fixed rate to 30.09.29
2.50% 85% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FFN33
Flexx for Term
2.59% 85% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT61
1.75% Fixed rate to 30.09.21
1.75% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT67
2.05% Fixed rate to 30.09.22
2.05% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT63
2.15% Flexx Fixed rate to 30.09.21
2.15% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT62
2.15% Fixed rate to 30.09.21
2.15% 90% Application fee: None
Product fee: None
YesYesNo
FHT82
2.19% Fixed rate to 30.09.24
2.19% 90% Application fee: None
Product fee: £999 (can be added to mortgage)
YesYesNo
FHT81
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
FHT84
2.39% Flexx Fixed rate to 30.09.24
2.39% 90% Application fee: None
Product fee: £499 (can be added to mortgage)
YesYesYes
FHT83
2.39% Fixed rate to 30.09.24
2.39% 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
FHT48
2.95% Fixed rate to 30.09.29
2.95% 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.