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First Time Buyers

We'll be here to make buying your first home easier.

Book an appointment today

Buying your first home with The Cambridge

We know that every first time home buyer is in a different situation, so we offer a range of mortgages to suit your needs and help your dreams become a reality. So, if you’re struggling to raise a deposit or looking at a Shared Ownership property, our Mortgage Advisers will be able to let you know what your options are.

 

Our First Step Mortgages are designed for First Time Buyers, who can’t rely on financial help from family. With as little as 2% deposit of the value of the property, you could own your first home. Find out more here.

 

So what next?

  • If you'd like to know which mortgages we may be able to offer for your first home, simply fill in your details below and you'll see a list of the products which may be suitable.
  • To find out more about the process of applying for a mortgage, why not check out our guides. If you'd like to discuss the options available then speak with our team on the phone, in store or via live chat.
  • Or, if you're ready to take that step onto the property ladder, book an appointment today.

Which mortgage is right for you?

Results

2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 1% in year one; 1% in year two.

Help to Buy 2 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two.

2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

Interest Only 2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

Help to Buy 5 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one, 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Help to Buy 2 Year Discounted Variable Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

2 Year Discounted Variable Rate Buy to Let Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

Low Deposit 2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

2 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

2 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two.

Expat 2 Year Discounted Rate Buy to Let Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

Low Deposit 2 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two.

5 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Self Employed 2 Year Discounted Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

Shared Ownership 2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Expat 2 Year Fixed Rate Buy to Let Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

Low Deposit 5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

5 Year Fixed Rate Buy to Let Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five

Holiday Let 2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

Expat 5 Year Fixed Rate Buy to Let Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five

Shared Ownership 2 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two.

Holiday Let 5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five

Shared Ownership 5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Credit Assist Mortgage 3 Year Discounted Variable Rate

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

Credit Assist Mortgage Extra - 2 Year Fixed Rate

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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