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First Time Buyers

If you’re a first time buyer trying to understand the many mortgage options available, look no further than the friendly, helpful team at esbs. Because we treat everyone as an individual you can be sure that we will listen to your needs carefully and guide you through the process step by step.

Your personal adviser will be on hand to explain everything you need to know and with our dedicated First Time Buyer Mortgage we’ll do our very best to help you make the leap onto the property ladder.

Because we are firmly rooted in our founding belief that everyone should be able to own their own home, if your situation requires something different, we have a wealth of other options available too.

We know that real people don’t fit into a tick box, so we will make it our priority to be as individual as you.

Click on one of the products below to find out more

PRODUCT DISCOUNTED
FOR
STANDARD
VARIABLE
RATE (SVR)
INITIAL RATE
PAYABLE
APRC EARLY
REPAYMENT
CHARGE PERIOD
MAX
LTV
BOOKING/ ARRANGEMENT FEE
First Time Buyers Discount Mortgage SVR less 2.25% 5 Years 5.24% 2.99%
(Collar 2.5%)
4.5% 5 Years 95% £125 – Upfront Booking Fee
No Early Repayment Charge SVR Mortgage N/A 5.24% 5.24%
(Collar 2.5%)
5.5% N/A 75% £125 – Upfront Booking Fee Arrangement Fee 1%
Stepped 5 Year Discount from SVR Mortgage as follows 1.85% Yrs 1, 2 and 3 2.25% Yrs 4 and 5 5 YEARS 5.24% 3.39% Yrs 1,
2 and 3 2.99%
Yrs 4 and 5
(Collar 2.5%)
4.6% 3 Years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR less 2.25% for 5 years 5 YEARS 5.24% 2.99%
(Collar 2.5%)
4.5% 5 years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR less 1.95% for 5 years 5 YEARS 5.24% 3.29%
(Collar 2.5%)
4.6% 5 years 75% £125 – Upfront Booking Fee £699 Arrangement Fee
Discount Mortgage SVR less 1.65% for 5 years 5 years 5.24% 3.59%
(Collar 2.5%)
4.8% 2 years 75% £125 – Upfront Booking Fee £699 Arrangement Fee
Discount Mortgage SVR less 1.45% for 5 years 5 years 5.24% 3.79%
(Collar 2.5%)
4.8% 5 Years 90% £125 – Upfront Booking Fee £599 Arrangement Fee
Discount Mortgage SVR less 1.00% for 5 years 5 Years 5.24% 4.24%
(Collar 2.5%)
5.0% 3 Years 90% £125 – Upfront Booking Fee £599 Arrangement Fee
Self-build Mortgage SVR less 0.25% for 5 years 5 years 5.24% 4.99%
(Collar 2.5%)
5.4% 2 years 50% on land and up to 75% at stage release £125 – Upfront Booking Fee £999 Arrangement Fee
Standard Variable Rate Mortgage N/A 5.24% 5.24%
(Collar 2.5%)
5.4% 2 years 90% £125 – Upfront Booking Fee £399 Arrangement Fee
Newly Qualified Associate Dentists – Stepped 5 Year Discount from SVR Mortgage as follows 2.00% Yrs 1 and 2 1.50% Yrs 3, 4 and 5 5 YEARS 5.24% 3.24% Yrs 1
and 2, 3.74%
Yrs 3, 4 and 5
(Collar 2.5%)
4.7% 5 years 90% £125 – Upfront Booking Fee

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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