When placing clients that are buying their first home, it’s not just a great rate that you’re looking for. We understand the pride of owning your first home, so we don’t ask for family savings to be held in trust, second charges on parents’ properties or extra security from a government scheme.

We know first time buyers might have limited credit histories, so we treat them as people – not just credit scores. We offer simple products, up to £500k at 95% LTV with no arrangement fee. Our FTB 2 year fixed to 95% LTV with no arrangement fee is currently 3.49%.

To be eligible for these products, only one applicant needs to be a first time buyer. Even better, we’ll consider any applicant who has not had a mortgage in the last 12 months as a first time buyer.

Mortgages for Professionals

We have a range of products for professionals which benefit from no arrangement fee, a free standard valuation on purchase, and a free valuation and standard legal fees on a remortgage, when using our switching package*.

Our mortgages for professionals are for loans between £80k and £750k and up to 90% LTV, where one or more of the applicants are fully qualified and employed in the following occupations:

Accountants, architects, barristers, chartered surveyors, dentists, engineers, financial advisers, medical doctors, nurses, optometrists, pharmacists. pilots, police officers, solicitors, teachers and vets.

*Free valuations are available on properties worth £2m or less. Optima Legal Services will charge a funds transfer for a fee of £42 to applicants who use the switching package.