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First-time buyer mortgages from 3.76%

Sub-4.2% mortgage rates are back, and we’re helping first-time buyers to get on the ladder. In under 10-minutes discover how much you could really borrow. Plus see indicative monthly repayments and interest rates.

Discover your buying budget

3.76% based on a 60% LTV, 5-year fix. Fees of 999.0 apply. Rates are not guaranteed and may have changed by the time you come to apply. Eligibility criteria may vary by lender. Accurate as of 22 February 2026.

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LTV: 60.00%

The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.

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