First Time Buyer

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First Time Buyer

First Time Buyer Members Mortgage

First Time Buyer

First Time Buyer

We understand, with generally high property prices, buying your first home can seem like a distant dream. If you're a first time buyer, getting a foot on the property ladder is now more difficult than ever. That's why Stroud & Swindon are here to help first time buyers just like you.

As a first time buyer you are probably looking to make the whole buying process as simple and straightforward as possible. We can help first time buyers through the home buying process every step of the way.

Have a look at the following products which are available to first time buyers.

Available Mortgages


2.99% Fixed to 31.12.12


Starting At


Description	Rate	Until

Fixed	2.99%	31.12.12

Followed by

Description	Rate	Until

Coventry Building Society's Standard Variable Rate	4.74%	31.12.15

Followed by

Description	Rate	Until

Coventry Building Society's Privilege Variable Rate	4.49%	End of mortgage term

The overall cost for comparison is	4.6% APR

Early Repayment Charge	4.00% of the balance repaid to 31.12.12

Notes

This mortgage is only available to first time buyers, homemovers, customers remortgaging to the Society as well as existing customers wanting to product switch. Fees may apply and are payable on application The maximum loan to value for this product is 65% Up to 25% of the loan can be repaid within the Early Repayment Charge period without charge The variable rates quoted are the current applied rate and may vary


3.59% Fixed to 30.09.13


Starting At


Description	Rate	Until

Fixed	3.59%	30.09.13

Followed by

Description	Rate	Until

Coventry Building Society's Standard Variable Rate	4.74%	30.09.15

Followed by

Description	Rate	Until

Coventry Building Society's Privilege Variable Rate	4.49%	End of the mortgage term

The overall cost for comparison is	4.6% APR

Early Repayment Charge	4% of the balance repaid to 30.09.13

Notes

This mortgage is only available to first time buyers, homemovers, customers remortgaging to the Society as well as existing customers wanting to product switch. Fees may apply and are payable on application The maximum loan to value for this product is 75% Up to 25% of the loan can be repaid within the Early Repayment Charge period without charge The variable rates quoted are the current applied rate and may vary


4.49% Fixed to 30.09.15


Starting At


Description	Rate	Until

Fixed	4.49%	30.09.15

Followed by

Description	Rate	Until

Coventry Building Society's Privilege Variable Rate	4.49%	End of the mortgage term

The overall cost for comparison is	4.9% APR

Early Repayment Charge	4% of the balance repaid to 30.09.15

Notes

This mortgage is only available to first time buyers, homemovers, customers remortgaging to the Society as well as existing customers wanting to product switch. Fees may apply and are payable on application The maximum loan to value for this product is 70% Up to 25% of the loan can be repaid within the Early Repayment Charge period without charge The variable rates quoted are the current applied rate and may vary


4.49% Flexx Fixed to 30.09.13


Starting At


Description	Rate	Until

Fixed	4.49%	30.09.13

Followed by

Description	Rate	Until

Coventry Building Society's Standard Variable Rate	4.74%	30.09.15

Followed by

Description	Rate	Until

Coventry Building Society's Privilege Variable Rate	4.49%	End of mortgage term

The overall cost for comparison is	4.8% APR

Early Repayment Charge	None

Notes

This mortgage is only available to first time buyers, homemovers, customers remortgaging to the Society as well as existing customers wanting to product switch. Fees may apply and are payable on application The maximum loan to value for this product is 75% The variable rates quoted are the current applied rate and may vary


4.65% Fixed to 31.12.12


Starting At


Description	Rate	Until

Fixed	4.65%	31.12.12

Followed by

Description	Rate	Until

Coventry Building Society's Standard Variable Rate	4.74%	31.12.15

Followed by

Description	Rate	Until

Coventry Building Society's Privilege Variable Rate	4.49%	End of the mortgage term

The overall cost for comparison is	4.80% APR

Early Repayment Charge	4.00% of the balance repaid to 31.12.12

Notes

This mortgage is only available to first time buyers, homemovers, customers remortgaging to the Society as well as existing customers wanting to product switch. Fees may apply and are payable on application The maximum loan to value for this product is 85% Up to 25% of the loan can be repaid within the Early Repayment Charge period without charge The variable rates quoted are the current applied rate and may vary


Members' First Time Buyer 5.85% Fixed to 30.09.15


Starting At


Description	Rate	Until

Fixed	5.85%	30.09.15

Followed by

Description	Rate	Until

Coventry Building Society's Privilege Variable Rate	4.49%	End of the mortgage term

The overall cost for comparison is	5.4% APR

Early Repayment Charge	4.00% of the balance repaid to 30.09.15

Notes

This mortgage is only available to eligible First Time Buyers The applicant must have held a Stroud & Swindon savings account (or in the case of a grandparent/parent/guardian, a Stroud & Swindon savings account or mortgage) continuously for the last 3 years or more at the time of application. Minimum 10% deposit required. Maximum loan amount £200,000 Fees may apply and are payable on application Up to 25% of the loan can be repaid within the Early Repayment Charge period without charge This mortgage can only be taken on a capital and interest (repayment) basis The variable rates quoted are the current applied rate and may vary.

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

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© 2010. Stroud & Swindon Building Society, Rowcroft, Stroud, Gloucestershire GL5 3BG

All mortgages are subject to status and valuation and are available only to persons 18 years of age and over. A personalised illustration is available on request. Your property is the security for the mortgage. Mortgages are available in England and Wales on properties which meet our lending criteria. All products and offers are subject to availability and may be withdrawn at any time without prior notice.

Stroud & Swindon Building Society and Stroud & Swindon are trading names of Coventry Building Society. Registered Office: Economic House, PO Box 9, High Street, Coventry CV1 5QN. Coventry Building Society is authorised and regulated by the Financial Services Authority (FSA registration number 150892). Stroud & Swindon introduces only to Aviva Life Services Limited, who are authorised and regulated by the Financial Services Authority for life assurance, pensions and investments. Any financial advice given will relate only to the products and services of the Stroud & Swindon and Aviva. Telephone calls may be recorded and monitored.