First Time Buyers

We can help your clients to buy their first home

Buying a home for the first time can be a daunting experience for your clients, especially if they’re unsure what route to take. To help you support your First Time Buyer (FTB) clients, we offer a range of competitive House Purchase product deals with incentives to help keep the costs down.

Exclusively for first time buyers, our innovative £5K Deposit Mortgage is designed to help your first time buyer clients purchase their first home faster with just a £5,000 deposit. Click here to find out more.

Incentives to help your First Time Buyer clients

We offer a number of incentives across selected products in our House Purchase range, to help reduce the costs for your First Time Buyer clients:


Up to £2000 cashback on completion of the mortgage.

Free standard valuation.


No product fee on selected product deals.

How to get started

  1. Use our online product finder to search for the right deal for your client.

  2. Get an estimate of your clients borrowing needs with our affordability calculator.

  3. View our lending criteria to make sure everything is in order for your client’s application – you can search the criteria by keywords or browse through our simple categories.

  4. For further help and support you can use our Web Chat facility – or, to get your questions answered, use our FAQ tool.

Information on First Time Buyer clients

We’ll instruct a mortgage valuation for the new property on Day 1

Up to 90% LTV (up to 95% LTV with the Deposit Unlock Scheme) for new build houses and flats

Maximum mortgage term is 40 years (to a maximum age of 80)

Overpayments available without charge (monthly or lump sum) for up to a total of 10% of the outstanding loan per year. Our offset products allow for 99.9% overpayment.

We now also offer Early Repayment Charge Free products up to 85% LTV

All products are portable when your clients are looking to find their next home

We only carry out a soft credit check on DIPs, so it won’t leave a permanent record on your clients credit file.

The Accord Welcome Box

welcome box hamper

A gift for your clients - on us. We’ll pay for everything and take care of the logistics, so there’s nothing for you to do.

Find out more


Product finder

Search our range of mortgage deals with our easy-to-use product finder tool.

  Product finder


Affordability Calculator

Our Affordability Calculator will give you a quick estimate of how much your client could borrow.

  Affordability calculator


Packaging Guide