Northern Rock are absoulutely great for first time buyers, i got a 125% with em 2 years ago. It was basically a 95% mortgage with a loan bolted on.

Went to remortgage a couple of months ago because my fixed interest was up and no one could touch northern rock so im re-did it with them. My mortgage advisor was even very impressed with them.

Great thing is the value of my property has gone up so much along with the payments ive made its wiped out the extra 25% i borrowed