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% 4.08% APRC £0 £ 60% More Info
2 Year Discount 1.74% 4.50% 4.11% APRC £0 £ 80% More Info
2 Year Discount 1.99% 4.50% 4.16% APRC £0 £ 85% More Info
2 Year Discount 2.59% 4.50% 4.27% APRC £0 £ 90% More Info
2 Year Fixed 1.69% 4.50% 4.10% APRC £495 £ 60% More Info
2 Year Fixed 1.79% 4.50% 4.12% APRC £0 £ 60% More Info
2 Year Fixed 1.79% 4.50% 4.12% APRC £495 £ 70% More Info
2 Year Fixed 1.89% 4.50% 4.14% APRC £0 £ 70% More Info
2 Year Fixed 1.89% 4.50% 4.14% APRC £495 £ 80% More Info
2 Year Fixed 1.99% 4.50% 4.16% APRC £0 £ 80% More Info
2 Year Fixed 1.99% 4.50% 4.16% APRC £495 £ 85% More Info
2 Year Fixed 2.09% 4.50% 4.18% APRC £0 £ 85% More Info
2 Year Fixed 2.39% 4.50% 4.23% APRC £495 £ 90% More Info
2 Year Fixed 2.59% 4.50% 4.27% APRC £0 £ 90% More Info
2 Year Fixed 3.99% 4.50% 4.53% APRC £0 £ 95% More Info
3 Year Fixed 1.99% 4.50% 4.03% APRC £0 £ 60% More Info
3 Year Fixed 2.29% 4.50% 4.10% APRC £0 £ 70% More Info
3 Year Fixed 2.59% 4.50% 4.17% APRC £0 £ 80% More Info
3 Year Fixed 2.79% 4.50% 4.22% APRC £0 £ 85% More Info
3 Year Fixed 2.89% 4.50% 4.24% APRC £0 £ 90% More Info
5 Year Fixed 2.14% 4.50% 3.64% APRC £495 £ 60% More Info
5 Year Fixed 2.24% 4.50% 3.68% APRC £0 £ 60% More Info
5 Year Fixed 2.44% 4.50% 3.77% APRC £495 £ 70% More Info
5 Year Fixed 2.54% 4.50% 3.81% APRC £0 £ 70% More Info
5 Year Fixed 2.74% 4.50% 3.89% APRC £495 £ 80% More Info
5 Year Fixed 2.84% 4.50% 3.93% APRC £0 £ 80% More Info
5 Year Fixed 2.99% 4.50% 3.99% APRC £0 £ 90% More Info

Representative Example


Based on an assumed completion date of 30/8/2016, a mortgage of £114232 payable over 25 years, initially on our 1.19% variable rate until 30/8/2019, followed by our Standard Variable Rate currently 4.5% for the remaining 22 years, would require 36 monthly payments of £440.41 and 264 monthly payments of £610.82.

The total amount payable would be £177111.24 made up of the loan amount plus interest of £62879.24 and Funds Release Fee (£25), Owners Insurance Fee (£25), Arrangement Fee (495).

The overall cost for comparison is 3.74% APRC.