First Time Buyers

Are you looking to buy in an LA Postcode? Get a 95% mortgage with us!

Moneyfacts commended logoThis is the start of a very exciting journey to owning your first home - congratulations on taking the first step!  We’d love to join you on your adventure to home ownership and we’re here to help.   The current situation means that It's even more difficult than usual for First Time Buyers but if the home of your dreams is in an LA postcode, we’ll support you with everything from practical advice to a variety of First Time Buyer mortgage rates.

A big part of our ethos is to support our local communities.  So if you are a First Time Buyer in this area you can get started with a 5% deposit with the Furness.  Does this sound like what you're looking for?  Have a look at our rates below

What can we offer you?

If you're buying a home in an LA postcode we have a limited number of mortgages available offering:

  • A loan of up to 95% of the value of the property you're purchasing - ie you just need to find a deposit of 5%.  We can even offer this on new build houses
  • We're happy to accept deposits gifted to you by close family members
  • We can help with affordability issues by looking at help from close family members, allowing them to join the mortgage without having to be named on the mortgage deed.
  • Maximum mortgage term of 40 years
  • No credit scoring (we do a soft credit check)


Find a mortgage

Can I afford it?

Buying your first home is an exciting time but figuring out how much you wish to pay each month is critical so that you don't leave yourself overstretched financially

Our Budget Planner can help you work out how much you can afford to borrow, based on your income, spending habits and any other financial commitments. Once you’ve found your dream home, and you're ready to apply for a mortgage, our advisors will recommend the most suitable package for you, if you meet our lending criteria.  

Why should you talk to us?

We're here to support our local community and it makes us extremely proud every time we help someone else get on the property ladder.  We were commended in the "Best First Time Buyer" category in the recent Moneyfacts awards and we have loads of experience in helping people like you - just have a look at some of our recent case studies below. 

If after this you've got more questions - we’re here to help.    Get in touch with our team today

Work out your Loan to Value with our easy calculator and then we'll guide you to our product range

The loan to value is the property value, less your deposit

1What is the property value?


2What is your deposit?


Your Loan To Value (LTV)


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