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