First time buyers

Features and benefits


For your first time buyer customer, including those buying through Co-ownership, we’re happy to offer the following:


No application fee

No booking fee

Free valuation for first time buyers

Mortgages of up to 95% Loan to Value (based on a property price up to £250,000)

Repayment terms up to 35 years


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Our products

Fixed rate products

View our fixed rate products

Discounted variable products

View our discounted variable rate products

Standard variable product

View our standard variable rate product

Help and guidance


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Important information


First Trust Bank reserves the right to withdraw or amend products at any time. Loans are granted subject to an appraisal of the applicant's financial standing. Applicants must be 18yrs or over. Minimum mortgage amount £25,000. Lending criteria, terms and conditions apply. An independent valuation will be required. The mortgage will be secured against the mortgaged property. Primary residence only.