First home, faster with My First Mortgage from Santander
Russell Green • February 3, 2026
Image courtesy of Freepix
On 3 February, Santander is the first large lender to launch a First-time Buyer Mortgage over 95% LTV. It’s called My First Mortgage and is up to 98% LTV. Supporting FTBs is a key focus for us whilst lending responsibly.
With a deposit from just £10,000, your clients’ homeownership dreams could be around the corner. Plus, we accept gifted deposits from friends and family.
Key criteria
• FTB only, including joint mortgages.
• Maximum 98% LTV.
• Minimum deposit £10,000.
• Maximum loan £500,000.
• Maximum term 40 years.
• Repayment only.
• 5-year fixed rate. ERCs apply.
• Gifted deposits accepted.
• No flats, new build or properties in Northern Ireland.
Santander isn’t currently able to consider self-employed applicants or Shared Ownership schemes, as the maximum LTV is 90% for those applicants or property types.
Further product information
• 5.19% 5 year fixed rate
• Up to 98% LTV
• £0 product fee
• Free standard valuation and £250 cashback to help with upfront costs
What to do next?
This mortgage may not be suitable for all First-time Buyers. Russell will explore a wider selection of mortgage and protection providers to ensure that he finds the right product to suit your specific needs.
Russell Green, our Senior Mortgage Adviser, will be delighted to discuss your personal situation and requirements and can quote you on a choice of suitable options.
How to Contact Us
Russell Green will personally deal with your enquiry.
Tel 01934 442023
Complete a form via our website www.westonmortgagesonline.com
Our initial mortgage consultation is free and with no obligation; should you proceed to an application, there will usually be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances, but will range from £ 290 to £490, and this will be discussed and agreed with you at the earliest opportunity.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
House hunters are returning after the summer lull, but a bumper choice of properties means buyers can afford to be choosier. Here is what the changing autumn market could mean if you are planning a move.
Struggling to save a huge deposit for your first home? New figures show mortgages for buyers with smaller deposits are accounting for a bigger share of lending. But a 5% deposit does not necessarily mean buying will be affordable, so here is what first-time buyers need to know.
Taking your first steps onto the property ladder is an exciting milestone, but let’s be honest: the world of mortgages can feel overwhelming. Between deciphering interest rates, working out borrowing limits, and keeping track of dynamic market changes, it’s easy to feel stuck before you’ve even booked your first viewin
At Weston Mortgages Online, we believe that getting a mortgage shouldn't involve endless phone calls, complicated paperwork, or days of waiting just to get an initial idea of what you can borrow.
Summer can be a difficult time to read the property market.
Families go away, house hunting competes with holidays and good weather, and some of the most reliable housing statistics arrive several weeks after the activity they measure.
Navigating the mortgage market can often feel like trying to solve a complex puzzle with missing pieces. Whether you are buying your very first flat, upgrading to your forever family home, or managing a remortgage, the financial jargon and mountain of legal paperwork can easily get overwhelming.
Stepping onto the property ladder is one of the most exciting milestones in life. However, between understanding deposits, navigating affordability checks, and choosing from thousands of deals, the process can quickly feel overwhelming.
A mortgage can run for decades, but a household’s income can change overnight. Illness, a serious diagnosis, redundancy and death create different financial problems, and no single insurance policy necessarily covers them all.
Most homeowners understand the need to insure the building they live in. Buildings insurance
More than five million households are expected to face higher mortgage repayments by the end of 2028, according to the Bank of England. For homeowners approaching the end of a fixed deal, starting early could provide more time, more options and greater certainty.
We are delighted to share that Russell Green has completed the Green Finance Institute's Certificate in Financing Greener Homes.
Delivered by the Green Finance Institute in partnership with Lloyds Banking Group and accredited by LIBF, the Certificate gives Russell the technical knowledge and market insight to confiden