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 Info
Initial Rate:

1.19%

Until:

Fixed02/02/2024

Reverting To:

3.35%

APRC:

3.1%

Early Repayment Charge:

Until 02/02/2024

More Info
Initial Rate:

1.34%

Until:

Fixed24 months

Reverting To:

3.59%

APRC:

3.4%

Early Repayment Charge:

For24 months

More Info
Initial Rate:

1.64%

Until:

Fixed31/12/2023

Reverting To:

3.59%

APRC:

3.4%

Early Repayment Charge:

Until31/12/2023

More Info
Initial Rate:

2.45%

Until:

Fixed29/02/2024

Reverting To:

3.96%

APRC:

4.0%

Early Repayment Charge:

Until29/02/2024

More Info
Initial Rate:

1.29%

Until:

Fixed60 months

Reverting To:

3.59%

APRC:

2.9%

Early Repayment Charge:

For60 months

More Info
Initial Rate:

1.29%

Until:

Fixed60 months

Reverting To:

3.59%

APRC:

2.9%

Early Repayment Charge:

For60 months

More Info
Initial Rate:

0.79%

Until:

Tracker24 months

Reverting To:

3.59%

APRC:

3.4%

Early Repayment Charge:

None

More Info
Initial Rate:

0.84%

Until:

Tracker24 months

Reverting To:

3.59%

APRC:

3.4%

Early Repayment Charge:

None

More Info
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First-Time Buyers


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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).