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Compare mortgages from the lenders we cover using verified rate data. Live cards show current rates only — purpose, property value and loan amount drive matching.
Mortgages
Explore first-time buyer mortgages, deposit expectations and schemes that can help you take the first step onto the property ladder.
Verified rates only
Current lender tables — not dated examples
Purpose-led matching
LTV and amount filter before sort
Subject to status
Lender assessment required
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage finder
Enter the property value and amount you want to borrow. We'll calculate your deposit and LTV before matching products.
Full mortgage term — not the initial deal period.
Deposit
£30,000
Loan to value
90%
Your home may be repossessed if you do not keep up repayments on your mortgage.
Key considerations
£270,000 mortgage · £300,000 property · £30,000 deposit · 90% LTV · 25-year term
We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. How we make money
Compare rates and fees together — a lower initial rate can come with a higher product fee.
Your home may be repossessed if you do not keep up repayments on your mortgage.
5 Year Fixed — First-Time Buyer
INITIAL RATE
4.86%
PRODUCT FEE
£1,499
MAX LTV
90%
INITIAL PERIOD
5 years fixed
Estimated monthly payment
£1,556/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
5 Year Fixed — First-Time Buyer
INITIAL RATE
4.96%
PRODUCT FEE
£999
MAX LTV
90%
INITIAL PERIOD
5 years fixed
Estimated monthly payment
£1,572/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
2 Year Fixed — First-Time Buyer
INITIAL RATE
4.97%
PRODUCT FEE
£1,499
MAX LTV
95%
INITIAL PERIOD
2 years fixed
Estimated monthly payment
£1,574/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
2 Year Fixed — First-Time Buyer
INITIAL RATE
5%
PRODUCT FEE
£999
MAX LTV
90%
INITIAL PERIOD
2 years fixed
Estimated monthly payment
£1,578/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
2 Year Fixed — First-Time Buyer
INITIAL RATE
5.05%
PRODUCT FEE
£999
MAX LTV
95%
INITIAL PERIOD
2 years fixed
Estimated monthly payment
£1,586/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
2 Year Fixed — First-Time Buyer
INITIAL RATE
5.07%
PRODUCT FEE
£0
MAX LTV
90%
INITIAL PERIOD
2 years fixed
Estimated monthly payment
£1,589/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
5 Year Fixed — First-Time Buyer
INITIAL RATE
5.1%
PRODUCT FEE
£0
MAX LTV
90%
INITIAL PERIOD
5 years fixed
Estimated monthly payment
£1,594/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
5 Year Fixed — First-Time Buyer
INITIAL RATE
5.24%
PRODUCT FEE
£999
MAX LTV
95%
INITIAL PERIOD
5 years fixed
Estimated monthly payment
£1,616/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
5 Year Fixed — First-Time Buyer
INITIAL RATE
5.27%
PRODUCT FEE
£0
MAX LTV
95%
INITIAL PERIOD
5 years fixed
Estimated monthly payment
£1,621/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
2 Year Fixed — First-Time Buyer
INITIAL RATE
5.33%
PRODUCT FEE
£0
MAX LTV
95%
INITIAL PERIOD
2 years fixed
Estimated monthly payment
£1,631/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
5 Year Fixed — First-Time Buyer
INITIAL RATE
5.91%
PRODUCT FEE
£0
MAX LTV
98%
INITIAL PERIOD
5 years fixed
Estimated monthly payment
£1,725/ month
Illustrative only — based on your selected mortgage amount, term, initial rate and repayment method. Your lender quote may differ.
Eligibility and terms are subject to lender assessment.
Eligibility and terms are subject to lender assessment.
These products are available through a mortgage broker, not as a direct online application.
Useful next steps — separate from comparing deals above.
Product information
Last checked: 12 September 2026
Source: Official lender product information. How we compare mortgages →
Rates, fees and availability change frequently. Figures shown are taken from verified lender disclosures or representative examples checked on the date shown. Your rate depends on your circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. Always confirm current terms with the lender or broker.
Your home may be repossessed if you do not keep up repayments on your mortgage. Sort order is factual (initial rate, fees, APRC or max LTV) — not a recommendation. Comparison methodology →