First time BuyersSelf-BuildMoving homeRemortgaging

First Time Buyers


THE SOCIETY ONLY LENDS ON PROPERTIES WITHIN NORTHERN IRELAND.

Buying your first home?

We understand that buying your first home can be daunting and is undoubtedly one of the largest financial decisions you are ever likely to make. We will be there at each stage of the mortgage process to make it as stress free and straightforward as possible.

See below for the range of mortgage products available to first time buyers.

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

Search for your mortgage


Enter your details below to find the range of products available to you.

Product Rate SVR Overall Cost for Comparison Arrangement Fee Monthly Payment LTV Product Features
2 Year Discount 1.54% 4.50% 4.11% APRC £0 £ 60% More Info
2 Year Discount 1.73% 4.50% 4.14% APRC £0 £ 80% More Info
2 Year Discount 1.99% 4.50% 4.18% APRC £0 £ 85% More Info
2 Year Discount 2.39% 4.50% 4.25% APRC £0 £ 90% More Info
2 Year Discount 4.14% 4.50% 4.53% APRC £0 £ 95% More Info
2 Year Fixed 1.79% 4.50% 4.01% APRC £495 £ 60% More Info
2 Year Fixed 1.89% 4.50% 3.83% APRC £0 £ 60% More Info
2 Year Fixed 1.84% 4.50% 4.02% APRC £495 £ 75% More Info
2 Year Fixed 1.94% 4.50% 3.84% APRC £0 £ 75% More Info
2 Year Fixed 1.99% 4.50% 4.07% APRC £495 £ 80% More Info
2 Year Fixed 2.09% 4.50% 3.88% APRC £0 £ 80% More Info
2 Year Fixed 2.09% 4.50% 4.10% APRC £495 £ 85% More Info
2 Year Fixed 2.19% 4.50% 3.91% APRC £0 £ 85% More Info
2 Year Fixed 2.39% 4.50% 4.19% APRC £495 £ 90% More Info
2 Year Fixed 2.59% 4.50% 4.03% APRC £0 £ 90% More Info
2 Year Fixed 4.59% 4.50% 4.62% APRC £0 £ 95% More Info
3 Year Fixed 1.99% 4.50% 3.88% APRC £0 £ 60% More Info
3 Year Fixed 2.29% 4.50% 3.96% APRC £0 £ 75% More Info
3 Year Fixed 2.59% 4.50% 4.05% APRC £0 £ 80% More Info
3 Year Fixed 2.79% 4.50% 4.10% APRC £0 £ 85% More Info
3 Year Fixed 2.89% 4.50% 4.13% APRC £0 £ 90% More Info
5 Year Fixed 2.04% 4.50% 3.71% APRC £495 £ 60% More Info
5 Year Fixed 2.14% 4.50% 3.62% APRC £0 £ 60% More Info
5 Year Fixed 2.34% 4.50% 3.83% APRC £495 £ 75% More Info
5 Year Fixed 2.44% 4.50% 3.74% APRC £0 £ 75% More Info
5 Year Fixed 2.64% 4.50% 3.95% APRC £495 £ 80% More Info
5 Year Fixed 2.74% 4.50% 3.86% APRC £0 £ 80% More Info
5 Year Fixed 2.74% 4.50% 3.99% APRC £495 £ 85% More Info
5 Year Fixed 2.84% 4.50% 3.90% APRC £0 £ 85% More Info
5 Year Fixed 2.99% 4.50% 3.96% APRC £0 £ 90% More Info

Representative Example


Based on an assumed start date of 02/11/2017, a mortgage of £87000 payable over 24 years, initially on our 1.89% fixed rate until 01/11/2019, followed by our Standard Variable Rate currently 4.50% for the remaining 22 years and 4 months, would require 20 monthly payments of £379.19 and 268 monthly payments of £490.56.

The total amount payable would be £139053.88 made up of the loan amount plus interest of £51313.88 and an Arrangement Fee (£495) and Valuation Fee (£245).

The overall cost for comparison is 4.26% APRC.