First Time Buyer Mortgages

Buying your first home is exciting but it can be daunting too. Your home is a major asset but it’s also almost certain to be the biggest financial commitment you’ll ever make. We’ll help you navigate the many first-time buyer mortgage options available, and will provide the expertise to help you understand special incentives for first time buyers such as no fees, cash back and Help To Buy.

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Calculators

Try our calculators for an estimate of how much you could borrow for a mortgage, what your monthly mortgage repayments might be, and how much stamp duty will be due on your property purchase. There are a number of factors that will impact on your borrowing potential and your mortgage repayments, and we’d recommend that you also speak to one of our mortgage brokers to discuss your individual circumstances. Please note that these calculators are for illustrative purposes and general interest only.

Need further assistance? If you’re having any issues with our calculators or would like to talk to us about your financial arrangements, please call 02072682580

How Much Can I Borrow?

How much can I borrow?

How Many People are Applying?

Applicant One

Applicant Two


You Could Borrow Up to (£)

Mortgage Calculator

Mortgage Calculator


Monthly Costs
Interest Only (£)

Repayment Basis (£)

Stamp Duty Calculator

Stamp Duty Calculator


Results
Stamp Duty to Pay

Effective Rate

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Mortgage Headline Rates

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  • 5 Year Fixed Rate at 1.79%
  • 2 Year Tracker Rate at 1.32%
  • 2 Year Buy to Let Fixed Rate at 1.49%
  • 5 Year Buy to Let Fixed Rate at 2.09%

In addition to some of the headline rates shown here, we have access to a range of bespoke mortgages from private banks and alternative lenders that we can discuss with you personally and confidentially, tailored to you.

Mortgage Rate available to:

Purchases and Remortgages

Initial Rate Payable %

1.79%

Initial Rate Period / Expiry Date

5 Year Fixed

Reverting to a variable Rate

4.99%

Annual Percentage Rate of Charge (APRC)

3.80%

Loan to Value

60.00%

Lenders Arrangement Fee

£1995.00

Early Repayment Charges (ERCs)

5% to 31/01/2021, 4% to 31/01/2022, 3% to 31/01/2023, 2% to 31/01/2024

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Repayment

Monthly payment at Inital Rate Payable

£2,490.51

Number of payments

300

Total Amount Payable

£942,602.73 over 25 years

Mortgage Rate available to:

Purchases and Remortgages

Initial Rate Payable %

1.32%

Initial Rate Period / Expiry Date

2 Years

Reverting to a variable Rate

4.69%

Annual Percentage Rate of Charge (APRC)

4.80%

Loan to Value

60.00%

Lenders Arrangement Fee

£999.00

Early Repayment Charges (ERCs)

3% of amount repaid until 31/01/2020, 2% of amount repaid until 31/01/2021

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Repayment

Monthly payment at Inital Rate Payable

£2,353.26

Number of payments

300

Total Amount Payable

£1,039,420.84 over 25 years

Mortgage Rate available to:

Buy to Let Purchases and Remortgages

Initial Rate Payable %

1.49%

Initial Rate Period / Expiry Date

2 Years

Reverting to a variable Rate

5.24%

Annual Percentage Rate of Charge (APRC)

4.50%

Loan to Value

60.00%

Lenders Arrangement Fee

£1995.00

Early Repayment Charges (ERCs)

3.0% of the amount repaid until 30/11/2019, 2.0% of the amount repaid until 30/11/2020

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Interest Only

Monthly payment at Inital Rate Payable

£747.50

Number of payments

300

Total Amount Payable

£1,278,817.42 over 25 years

Mortgage Rate available to:

Buy to Let Purchases and Remortgages

Initial Rate Payable %

2.09%

Initial Rate Period / Expiry Date

5 Year Fixed

Reverting to a variable Rate

4.74%

Annual Percentage Rate of Charge (APRC)

4.10%

Loan to Value

60.00%

Lenders Arrangement Fee

£1995.00

Early Repayment Charges (ERCs)

6% of the amount repaid until 30/11/2019, 5% to 30/11/2020, 4% to 30/11/2021, 3% to 30/11/2022, 2% to 30/11/2023

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Interest Only

Monthly payment at Inital Rate Payable

£1,048.51

Number of payments

300

Total Amount Payable

£1,237,880.45 over 25 years

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Disclaimer

Mortgage Advice. The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will carry out a full review to establish your needs and preferences and if you meet the criteria, we will give advice and make a recommendation to you. There may be a fee for mortgage advice. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over.

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Your home may be repossessed if you do not keep up with mortgage payments.

Knight Frank Finance LLP is a limited liability partnership registered in England and Wales with registered number OC322399. The principal office of Knight Frank Finance LLP is situated at 55 Baker Street, London W1U 8AN. Knight Frank Finance LLP is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 459093.