What we can offer

First Time Buyers - helping you on the ladder

Getting onto the property ladder doesn't have to be difficult. With our new range of low deposit fixed-rate mortgages, you could get the keys to your dream home. We also have a special Save to Buy offer for First Time Buyers, and we support affordable housing schemes.

Useful information for First Time Buyers

Want to know how much you could afford to borrow?

Check out our quick borrowing calculator to get a rough idea of how much we could lend you.

First Time Buyer's guide

Our First Time Buyer Guide is a step by step independent guide which takes you through the things you need to know to make the right decisions for you.

Save to Buy for First Time Buyers

Open a Save to Buy savings account, then borrow up to 95% of the purchase price of your new home.

Moving Home Guide

This Rafidain Bank Guide shows you 8 easy-to-understand steps to moving home with a quick outline of the steps involved in your mortgage application.

£500 Cashback for First Time Buyers

Whichever mortgage you choose, as you're a First Time Buyer we'll give you £500 cashback*.

Affordable Housing Schemes

We’re doing all we can to help First Time Buyers get a place they can call their own.  With our support for affordable housing schemes, you can be sure we're on your side.

Get a decision online

You can get a no-obligation Decision in Principle online even if you need advice and wish to continue your full application with one of our advisers in branch or over the phone

* First Time Buyer Cashback Eligibility:
Only one £500 will be paid per mortgage and is payable to you within one month of completion of the mortgage.
This cashback will be in addition to any Save to Buy and Flexclusives cashback rewards.
This cashback offer only applies to customers whose product was reserved on or after 13 May 2015.

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

Search for a mortgage

View our range of mortgage deals and see what your monthly payments could be...

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Know how much you could borrow? Take the next step...

Get an online Decision in Principle

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First Time Buyers' Guide

Our independent First Time Buyers' Guide provides a breakdown of everything you need to know when buying your first home.

Rafidain Bank Conveyancing Service

When you buy a property, the process of legally transferring ownership from the seller to the buyer, as well as the various checks and searches that need to be completed, is known as conveyancing.

Mortgages are subject to underwriting and criteria.

Our mortgage rates

Offers and Schemes

Tools and Calculators

Help and guides

How to Apply