Residential Mortgages
Mortgages For First-Time Buyers
Buying your first home is exciting but it can also be a daunting prospect. Money is likely to be tight so picking the right mortgage is crucial. With so many products available, some with special incentives aimed at first-time buyers such as no product fees or cash back, it can be hard figuring out the best option. This is where SPF can help – we can assist in choosing the right product for your circumstances and guide you through the process of applying for a mortgage. This will leave you free to concentrate on the exciting stuff, such as where you are going to put the sofa.
Initial Rate:
1.09%
Until:
Fixed31/12/2023
Reverting To:
3.54%
APRC:
3.3%
Early Repayment Charge:
Until 31/12/2023
More InfoInitial Rate:
1.19%
Until:
Fixed02/02/2024
Reverting To:
3.35%
APRC:
3.1%
Early Repayment Charge:
Until 02/02/2024
More InfoInitial Rate:
1.34%
Until:
Fixed24 months
Reverting To:
3.59%
APRC:
3.4%
Early Repayment Charge:
For24 months
More InfoInitial Rate:
1.64%
Until:
Fixed31/12/2023
Reverting To:
3.59%
APRC:
3.4%
Early Repayment Charge:
Until31/12/2023
More InfoInitial Rate:
2.45%
Until:
Fixed29/02/2024
Reverting To:
3.96%
APRC:
4.0%
Early Repayment Charge:
Until29/02/2024
More InfoInitial Rate:
1.29%
Until:
Fixed60 months
Reverting To:
3.59%
APRC:
2.9%
Early Repayment Charge:
For60 months
More InfoInitial Rate:
1.29%
Until:
Fixed60 months
Reverting To:
3.59%
APRC:
2.9%
Early Repayment Charge:
For60 months
More InfoInitial Rate:
0.79%
Until:
Tracker24 months
Reverting To:
3.59%
APRC:
3.4%
Early Repayment Charge:
None
More InfoInitial Rate:
0.84%
Until:
Tracker24 months
Reverting To:
3.59%
APRC:
3.4%
Early Repayment Charge:
None
More InfoFirst-Time Buyers
Stamp Duty Calculator
Stamp Duty to pay: |
Effective Rate: |
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SPF Private Clients are experts in helping people achieve their goals by providing the right funding, wealth management and insurance advice.
A fee of up to 1% of the loan amount is payable. For example, if we arrange a loan of £100,000 the fee could be £1,000. The exact fee charged will depend on the amount of work undertaken.
SPF Property Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).