Key mortgage rates

Getting the right deal for you

Depending on the size of deposit you've been able to get together, or the length you want initial period to be, we have options for you to choose from to make your dream move a reality.


First Start Fixed mortgage rates



7.19% 3 year fixed (First Start – ALM)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.19% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.6% 95% • £499 arrangement fee
• No extended tie in
• Higher Lending Charge paid by Bristol & West Mortgages
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 3% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

7.19% 5 year fixed (First Start – ALN)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.19% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.6% 95% • £499 arrangement fee
• No extended tie in
• Higher Lending Charge paid by Bristol & West Mortgages
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

7.39% 3 year fixed (First Start – ALK)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.39% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 100% • £499 arrangement fee
• No extended tie in
• Higher Lending Charge paid by Bristol & West Mortgages
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 3% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

7.39% 5 year fixed (First Start – ALL)

ApplyNow

Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.39% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 100% • £499 arrangement fee
• No extended tie in
• Higher Lending Charge paid by Bristol & West Mortgages
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

First Start Discount mortgage rates

These products are currently not available.

What you need to know up front

  • You have to be at least 18.
  • Your parent or relative has to be under 60 at application and employed.
  • You can put the title to the property in just your name and in your parent's name as well.
  • The maximum mortgage term is 35 years or the normal retirement age of the child buying the property, whichever is sooner.
  • It's not restricted to first time buyers. You can also be divorced, separated borrowers or moving to a more expensive area.
  • If you're borrowing more than 95% of the purchase price, your parent must own their home outright or have had a mortgage for three years.
  • You don't have to take out life cover but we recommend you take financial advice.
  • It's not available in Northern Ireland. Sorry.