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.
First-time buyers
For loans of between £25,000 and £750,000 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 |
|---|---|---|---|---|
|
||||
|
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
|
For loans of between £25,000 and £750,000 Between 85% and 90% of your home's value
| Initial rate, currently | Followed by our Homeowner variable rate, currently | The overall cost for comparison is | Product fee | Early Repayment Charges |
|---|---|---|---|---|
|
|
||||
| 6.99% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.5% APR | None | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
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| 5.59% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.5% APR | £1395 | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 5.99% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.6% APR | £895 | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
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| 6.39% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.7% APR | None | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.29% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.5% APR | £895 | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.99% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.9% APR | £895 | Yes until 30/09/12
|
For loans of between £5,000 and £750,000 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 |
|---|---|---|---|---|
|
|
||||
| 6.49% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 5.0% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 4.49% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.3% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 4.69% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.3% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 4.99% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.5% APR | None | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 5.19% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.4% APR | None | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.19% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.9% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.59% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 5.0% APR | None | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.79% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 5.0% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.99% Fixed until 30 September 2015 | 3.99% for the remainder of the term | 5.6% APR | £895 | Yes until 30/09/15
|
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 |
|---|---|---|---|---|
|
|
||||
| 7.19% Fixed until 30 September 2015 | 3.99% for the remainder of the term | 5.7% APR | None | Yes until 30/09/15
|
For loans of between £25,000 and £750,000 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 |
|---|---|---|---|---|
|
|
||||
|
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
|
For loans of between £25,000 and £750,000 Between 85% and 90% of your home's value
| Initial rate, currently | Followed by our Homeowner variable rate, currently | The overall cost for comparison is | Product fee | Early Repayment Charges |
|---|---|---|---|---|
|
|
||||
| 6.99% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.5% APR | None | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 5.59% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.5% APR | £1395 | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 5.99% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.6% APR | £895 | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.39% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.7% APR | None | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.29% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.5% APR | £895 | Yes until 30/09/12
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.99% Fixed until 30 September 2012 | 3.99% for the remainder of the term | 4.9% APR | £895 | Yes until 30/09/12
|
For loans of between £5,000 and £750,000 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 |
|---|---|---|---|---|
|
|
||||
| 6.49% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 5.0% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 4.49% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.3% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 4.69% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.3% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 4.99% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.5% APR | None | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 5.19% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.4% APR | None | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.19% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 4.9% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.59% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 5.0% APR | None | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.79% Fixed until 30 September 2013 | 3.99% for the remainder of the term | 5.0% APR | £895 | Yes until 30/09/13
|
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 |
|---|---|---|---|---|
|
|
||||
| 6.99% Fixed until 30 September 2015 | 3.99% for the remainder of the term | 5.6% APR | £895 | Yes until 30/09/15
|
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 |
|---|---|---|---|---|
|
|
||||
| 7.19% Fixed until 30 September 2015 | 3.99% for the remainder of the term | 5.7% APR | None | Yes until 30/09/15
|
Once you've applied for a mortgage, you'll need to appoint a solicitor or conveyancer to deal with all the legal aspects.
