First-time buyer mortgages

Buying your own home? There’s no feeling like it.
No, really there isn’t.

So you’ve decided to get your own place. You might have even found the property you’d like to live in. Well, if all goes to plan, you’re about to get one of the biggest buzzes of your life: the moment when you walk through the door, before there’s even any furniture in the place and it hits you that it’s yours. After all the forms and solicitors and checks and cheques… it’s really yours.

Getting your first mortgage can be daunting, but at C&G, we’ve over 150 years of mortgage experience so we really know our stuff. Our customers come to us for our expertise, knowledge and experience.

Free Home Harmony service to help you in the first year after buying a new home.

Take a look below at some of the mortgages we think you might be interested in.

Select mortgage type
Buying a home
First-time buyers
Remortgaging
Borrowing more
Switching to a new deal
Buy-to-Let
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

All Mortgages

Displaying 17  mortgages

Look at our best offer

2-Year Low-Start Tracker - First-time buyer exclusive - Repayment

For loans of between £25,000 and £750,000 Between 85% and 90% of your home's value

More details on 2-Year Low-Start Tracker - First-time buyer exclusive - Repayment
Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
0.49% (variable) Tracks at 0.01% below the base rate until 28 February 2011

Followed by

5.99% (variable) Tracks at 5.49% above the base rate until 30 September 2012
3.99% for the remainder of the term 3.7% APR £895 Yes until 30/09/12
Look at our best offer

No Fees Mortgage - First-time buyer exclusive - Repayment

For loans of between £25,000 and £750,000 Between 85% and 90% of your home's value

More details on No Fees Mortgage - First-time buyer exclusive - Repayment
Initial rate, currently Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.99% Fixed until 30 September 2012 3.99% for the remainder of the term 4.5% APR None Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 Between 75% and 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
5.59% Fixed until 30 September 2012 3.99% for the remainder of the term 4.5% APR £1395 Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
5.99% Fixed until 30 September 2012 3.99% for the remainder of the term 4.6% APR £895 Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.39% Fixed until 30 September 2012 3.99% for the remainder of the term 4.7% APR None Yes until 30/09/12
More details on 2-Year Fixed Rate - First time buyer exclusive - Repayment

2-Year Fixed Rate - First time buyer exclusive - Repayment

For loans of between £5,000 and £1,000,000 Between 85% and 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.29% Fixed until 30 September 2012 3.99% for the remainder of the term 4.5% APR £895 Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.99% Fixed until 30 September 2012 3.99% for the remainder of the term 4.9% APR £895 Yes until 30/09/12
Look at our best offer

3-year Fixed-Rate First-Time Buyer Exclusive - Repayment

For loans of between £5,000 and £750,000 Between 85% and 90% of your home's value

More details on 3-year Fixed-Rate First-Time Buyer Exclusive - Repayment
Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.49% Fixed until 30 September 2013 3.99% for the remainder of the term 5.0% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Repayment

3-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
4.49% Fixed until 30 September 2013 3.99% for the remainder of the term 4.3% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Interest only

3-Year Fixed Rate - Interest only

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
4.69% Fixed until 30 September 2013 3.99% for the remainder of the term 4.3% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Repayment

3-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
4.99% Fixed until 30 September 2013 3.99% for the remainder of the term 4.5% APR None Yes until 30/09/13
More details on 3-Year Fixed Rate - Interest only

3-Year Fixed Rate - Interest only

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
5.19% Fixed until 30 September 2013 3.99% for the remainder of the term 4.4% APR None Yes until 30/09/13
More details on 3-year Fixed Rate - Repayment

3-year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.19% Fixed until 30 September 2013 3.99% for the remainder of the term 4.9% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Repayment

3-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.59% Fixed until 30 September 2013 3.99% for the remainder of the term 5.0% APR None Yes until 30/09/13
More details on 3-year Fixed Rate - Repayment

3-year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.79% Fixed until 30 September 2013 3.99% for the remainder of the term 5.0% APR £895 Yes until 30/09/13
More details on 5-Year Fixed Rate - Repayment

5-Year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.99% Fixed until 30 September 2015 3.99% for the remainder of the term 5.6% APR £895 Yes until 30/09/15
More details on 5-Year Fixed Rate - Repayment

5-Year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
7.19% Fixed until 30 September 2015 3.99% for the remainder of the term 5.7% APR None Yes until 30/09/15

2 Year

Displaying 7  mortgages

Look at our best offer

2-Year Low-Start Tracker - First-time buyer exclusive - Repayment

For loans of between £25,000 and £750,000 Between 85% and 90% of your home's value

More details on 2-Year Low-Start Tracker - First-time buyer exclusive - Repayment
Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
0.49% (variable) Tracks at 0.01% below the base rate until 28 February 2011

Followed by

5.99% (variable) Tracks at 5.49% above the base rate until 30 September 2012
3.99% for the remainder of the term 3.7% APR £895 Yes until 30/09/12
Look at our best offer

No Fees Mortgage - First-time buyer exclusive - Repayment

For loans of between £25,000 and £750,000 Between 85% and 90% of your home's value

More details on No Fees Mortgage - First-time buyer exclusive - Repayment
Initial rate, currently Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.99% Fixed until 30 September 2012 3.99% for the remainder of the term 4.5% APR None Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 Between 75% and 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
5.59% Fixed until 30 September 2012 3.99% for the remainder of the term 4.5% APR £1395 Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
5.99% Fixed until 30 September 2012 3.99% for the remainder of the term 4.6% APR £895 Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.39% Fixed until 30 September 2012 3.99% for the remainder of the term 4.7% APR None Yes until 30/09/12
More details on 2-Year Fixed Rate - First time buyer exclusive - Repayment

2-Year Fixed Rate - First time buyer exclusive - Repayment

For loans of between £5,000 and £1,000,000 Between 85% and 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.29% Fixed until 30 September 2012 3.99% for the remainder of the term 4.5% APR £895 Yes until 30/09/12
More details on 2-Year Fixed Rate - Repayment

2-Year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.99% Fixed until 30 September 2012 3.99% for the remainder of the term 4.9% APR £895 Yes until 30/09/12

3 Year

Displaying 8  mortgages

Look at our best offer

3-year Fixed-Rate First-Time Buyer Exclusive - Repayment

For loans of between £5,000 and £750,000 Between 85% and 90% of your home's value

More details on 3-year Fixed-Rate First-Time Buyer Exclusive - Repayment
Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.49% Fixed until 30 September 2013 3.99% for the remainder of the term 5.0% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Repayment

3-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
4.49% Fixed until 30 September 2013 3.99% for the remainder of the term 4.3% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Interest only

3-Year Fixed Rate - Interest only

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
4.69% Fixed until 30 September 2013 3.99% for the remainder of the term 4.3% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Repayment

3-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
4.99% Fixed until 30 September 2013 3.99% for the remainder of the term 4.5% APR None Yes until 30/09/13
More details on 3-Year Fixed Rate - Interest only

3-Year Fixed Rate - Interest only

For loans of between £5,000 and £1,000,000 and up to 75% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
5.19% Fixed until 30 September 2013 3.99% for the remainder of the term 4.4% APR None Yes until 30/09/13
More details on 3-year Fixed Rate - Repayment

3-year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.19% Fixed until 30 September 2013 3.99% for the remainder of the term 4.9% APR £895 Yes until 30/09/13
More details on 3-Year Fixed Rate - Repayment

3-Year Fixed Rate - Repayment

For loans of between £5,000 and £1,000,000 and up to 85% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.59% Fixed until 30 September 2013 3.99% for the remainder of the term 5.0% APR None Yes until 30/09/13
More details on 3-year Fixed Rate - Repayment

3-year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.79% Fixed until 30 September 2013 3.99% for the remainder of the term 5.0% APR £895 Yes until 30/09/13

5 Year

Displaying 2  mortgages

More details on 5-Year Fixed Rate - Repayment

5-Year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
6.99% Fixed until 30 September 2015 3.99% for the remainder of the term 5.6% APR £895 Yes until 30/09/15
More details on 5-Year Fixed Rate - Repayment

5-Year Fixed Rate - Repayment

For loans of between £5,000 and £750,000 and up to 90% of your home's value

 

Initial rate Followed by our Homeowner variable rate, currently The overall cost for comparison is Product fee Early Repayment Charges
Apply online
7.19% Fixed until 30 September 2015 3.99% for the remainder of the term 5.7% APR None Yes until 30/09/15

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