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Home > Our Intermediary Product Range > First Time Buyer Mortgages

First Time Buyer Mortgages
Rates and Details at a Glance

Available to Intermediaries only
Rates correct as at 18 June 2010


Remember, shared ownership cases can now be submitted online. If you've not registered for our online service, click to register now


Shared Ownership Fees Assisted 3 Year Fixed Rate up to and including 31 July 2013 (not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
7.89
6.7
75
No Higher Lending Charge.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
95% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
31/07/2013
None
Booking Fee:
£199¹
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Ownership Fees Assisted 3 Year Fixed Rate up to and including 30 September 2013 (not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
6.99
6.4
75
No Higher Lending Charge.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
80% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
30/09/2013
None
Booking Fee:
£199¹
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Ownership SVR + 1.15% For 5 Years (not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
6.84
6.7
75
No Higher Lending Charge.
£250 cashback.
95% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£99
Completion Fee for loans over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Equity Affordable Housing Fees Assisted 3 Year Fixed Rate up to and including 30 April 2013 (not portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
7.89
6.7
90
No Higher Lending Charge.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
90% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
30/04/2013
None
Booking Fee:
£199¹
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Scottish Homestake/ Lift Fees Assisted 3 Year Fixed Rate up to and including 30 April 2013 (Not Portable and only available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
7.99
6.7
90
No Higher Lending Charge.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
90% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
30/04/2013
None
Booking Fee:
£199¹
Note: Only available for applications in conjunction with the Homestake / Lift scheme.
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Equity Affordable Housing SVR + 1.15% For 5 Year (Not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
6.84
6.7
90
No Higher Lending Charge.
90% of borrowers share available.
£250 cashback
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£99
Completion Fee for loans over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Scottish Homestake / Lift SVR + 1.15% For 5 Years (Not Portable and only available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
6.84
6.7
90
No Higher Lending Charge.
90% of borrowers share available.
£250 cashback
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£99
Completion Fee for loans over £500,000:
1% of loan
Note: Only available for applications in conjunction with the Homestake/Lift scheme.
¹Booking fee must be paid to the Society on submission of the application and is non refundable.

Read our Important Notes

What happens at the end of the Special Product Period?

At the end of the Special Fixed/Tracker/Capped/Discounted period of each product detailed above, your mortgage will revert to our Standard Variable Rate (SVR) applicable at the time (currently 5.69%).

What about Discounted Products?

Some Leeds Building Society mortgages are discounted if Homecover (Buildings and Contents insurance) is also taken out with the society. This is detailed in the "Homecover Discount" column. If available you will receive a 0.24% discount on the interest rate detailed in the "Gross" column.

Re-Mortgaging?

Leeds Building Society can offer a quick and efficient in-house re-mortgage legal service. The cost of this excellent service is £250 in England, Wales, Scotland & Northern Ireland (this service is FREE on certain products). Using our re-mortgage service ensures that your re-mortgage goes through quickly so you can benefit from our product rates sooner. The service includes all re-mortgage fees but additional fees may be payable for extra work, for example, if a new owner is to be added to the deeds. This service is not available on Buy to Let remortgages in Northern Ireland.

Existing Leeds Building Society mortgage customer moving home?

As an existing customer our Loyalty Reward Mortgage Scheme will give you the following great benefits:

  • £200 cashback when your mortgage completes as an extra special thank you for keeping your mortgage with the Society. Terms and conditions apply, ask in branch for details.
  • Faster application service than regular applications – an offer within 4 working days (if all items of mortgage paperwork are received at application stage).
  • Full advice available on all aspects of your mortgage including legal advice, protecting your payments and buildings and contents insurance.

You can rely on us for a hassle free process from a friendly, professional lender you can trust. We are a mutual, independent and financially strong institution looking after our members’ interests whilst offering competitive products.

Any Questions?

Please contact your nearest Development Manager.

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

The products and services on this site are available to UK residents only. Applicants must be aged 18 or over and a full appraisal of your financial commitments will be made. Mortgages are subject to eligibility, status and financial standing. Mortgages that are for Buy to Let properties are regulated by the Consumer Credit Act 1974 and not by the Financial Services Authority.

The Society is covered by the Financial Ombudsman Service. We may monitor and/or record your telephone conversation with the Society to ensure consistent service levels (including staff training). The Society's main business is the provision of savings products, mortgages and general insurance. The Society offers some savings products that may be operated through branches and by post and certain products which can be operated by post only.

Leeds Building Society is authorised and regulated by the Financial Services Authority and our registration number is 164992. You can check this on the FSA register by visiting the FSA website at www.moneymadeclear.fsa.gov.uk or by contacting the FSA on 0845 606 1234.