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Thanks for the help everyone. My impression is that FTB rates can sometimes be better, especially if our deposit is likely to be around 15–20% LTV, rather than the 25%+ most lenders are pitching their best rates at.

Thanks for the help everyone. My impression is that FTB rates can sometimes be better, especially if our deposit is likely to be around 15–20% LTV, rather than the 25%+ most lenders are pitching their best rates at.

My wife and I used to own a house. Then we sold it and moved abroad (where we rent) for several years. When we go back to the UK, will we be classed as 'first time buyers', because we don't have a property to sell, existing mortgage etc. Or not?