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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 effective from 30 April 2008

FREE Mortgage Payment Protection available on all products
for 3 months.

Products are only available to new borrowers and existing borrowers moving home.


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

 


Shared Ownership Fee Free 3 Year Fixed Rate up to and including 30 June 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.49
7.6
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 Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/06/2011
None
None


Shared Ownership Fee Free 3 Year Fixed Rate up to and including 30 June 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.89
7.8
75
No Higher Lending Charge.
FREE standard valuation up to £335.
FREE in-house legal services for re-mortgages.
100% of borrowers share available.
Early Repayment Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/06/2011
None
None


Scottish Shared Ownership Fee Free 3 Year Fixed Rate up to and including 30 June 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.59
7.7
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 Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/06/2011
None
None


5 Year Shared Ownership (Not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.09
7.6
75
No Higher Lending Charge.
£250 cashback.
100% of borrowers share available.
Early Repayment Charge
Early Repayment Charge Applies Until
Tied Product Required Until
Completion Fee
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Up to £500,000:
£99
Over £500,000:
By negotiation


5 Year Shared Ownership (Not Portable and only available in Scotland)
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.09
7.6
75
No Higher Lending Charge.
£250 cashback.
95% of borrowers share available.
Early Repayment Charge
Early Repayment Charge Applies Until
Tied Product Required Until
Completion Fee
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Up to £500,000:
£99
Over £500,000:
By negotiation


Shared Equity Affordable Housing Fee Free 3 Year Fixed Rate up to and including 30 June 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.49
7.6
90
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 Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/06/2011
None
None


Shared Equity Affordable Housing Fee Free 3 Year Fixed Rate up to and including 30 June 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.89
7.8
90
No Higher Lending Charge.
FREE standard valuation up to £335.
FREE in-house legal services for re-mortgages.
100% of borrowers share available.
Early Repayment Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/06/2011
None
None


Shared Equity Affordable Housing Scottish Fee Free 3 Year Fixed Rate up to and including 30 June 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.59
7.7
90
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 Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/06/2011
None
None


Shared Equity Affordable Housing Scottish Fee Free 3 Year Fixed Rate up to and including 30 June 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.99
7.8
90
No Higher Lending Charge.
FREE standard valuation up to £335.
FREE in-house legal services for re-mortgages.
100% of borrowers share available.
Early Repayment Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/06/2011
None
None


Shared Equity Affordable Housing 5 Year SVR
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.09
7.6
90
No Higher Lending Charge.
100% of borrowers share available.
£250 cashback
Early Repayment Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Up to £500,000:
£99
Over £500,000:
By negotiation


Shared Equity Affordable Housing Scottish 5 Year SVR
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.09
7.6
90
No Higher Lending Charge.
100% of borrowers share available.
£250 cashback
Early Repayment Charge
Early Repayment Charge Applies Until
Home Insurance Required Until
Completion Fee
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Up to £500,000:
£99
Over £500,000:
By negotiation


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 applicable at the time (currently 7.09%).

What about Insurance Tied Products?

Some Leeds Building Society mortgages are discounted if Homecover or buildings insurance is taken, the discounted rates are shown and included in the "Gross Rate". If you choose not to take our Homecover insurance, 0.24% will be added to the interest rate for the term detailed in the "Tied Product Required Until" 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. (Not available on shared ownership or buy to let).

Existing Leeds Building Society mortgage customer moving home?

If so, EasyTrack is for you when you decide to move home (not applicable to Buy to Let). We can offer increased income multiples, priority approval and when you complete your mortgage on your new property we will send you a cashback cheque for £200.

Any Questions?

Please contact your nearest Development Manager.

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