All Mortgages
First Direct Mortgages
Filter your results
You have a loan-to-value
Please wait - searching the UK mortgage market
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
1.54% Fixed for 2 years
-
APRC
3.20%
-
Product Fee
£490
-
Monthly Repayment
£602.73
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
1.54% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£602.73 x 24
-
Ongoing Monthly Payments:
£742.21 x 276
-
Total Amount Payable:
£219,805.48
-
Total Interest Payable:
£69,315.48
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 5 Year Fixed
-
Initial Rate
1.69% Fixed for 5 years
-
APRC
2.70%
-
Product Fee
£490
-
Monthly Repayment
£613.39
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
1.69% Fixed for 5 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£613.39 x 60
-
Ongoing Monthly Payments:
£726.60 x 240
-
Total Amount Payable:
£211,677.40
-
Total Interest Payable:
£61,187.40
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 5 yrs: 3/2/2/2/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
1.89% Fixed for 2 years
-
APRC
3.20%
-
Product Fee
£0
-
Monthly Repayment
£627.78
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
1.89% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£627.78 x 24
-
Ongoing Monthly Payments:
£744.46 x 276
-
Total Amount Payable:
£220,537.68
-
Total Interest Payable:
£70,537.68
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
1.99% Fixed for 2 years
-
APRC
3.30%
-
Product Fee
£490
-
Monthly Repayment
£635.05
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
1.99% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£635.05 x 24
-
Ongoing Monthly Payments:
£745.09 x 276
-
Total Amount Payable:
£221,376.04
-
Total Interest Payable:
£70,886.04
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 5 Year Fixed
-
Initial Rate
1.99% Fixed for 5 years
-
APRC
2.90%
-
Product Fee
£0
-
Monthly Repayment
£635.05
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
1.99% Fixed for 5 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£635.05 x 60
-
Ongoing Monthly Payments:
£731.31 x 240
-
Total Amount Payable:
£213,617.40
-
Total Interest Payable:
£63,617.40
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 5 yrs: 3/2/2/2/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 5 Year Fixed
-
Initial Rate
2.19% Fixed for 5 years
-
APRC
3.00%
-
Product Fee
£490
-
Monthly Repayment
£649.75
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.19% Fixed for 5 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£649.75 x 60
-
Ongoing Monthly Payments:
£734.40 x 240
-
Total Amount Payable:
£215,731
-
Total Interest Payable:
£65,241
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 5 yrs: 3/2/2/2/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.19% Variable
-
APRC
2.20%
-
Product Fee
£490
-
Monthly Repayment
£649.75
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.19% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£649.75 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£195,415
-
Total Interest Payable:
£44,925
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
2.29% Fixed for 2 years
-
APRC
3.30%
-
Product Fee
£0
-
Monthly Repayment
£657.17
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.29% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£657.17 x 24
-
Ongoing Monthly Payments:
£746.94 x 276
-
Total Amount Payable:
£221,927.52
-
Total Interest Payable:
£71,927.52
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.34% Variable
-
APRC
2.40%
-
Product Fee
£0
-
Monthly Repayment
£660.90
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.34% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£660.90 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£198,270
-
Total Interest Payable:
£48,270
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct 5 Year Fixed
-
Initial Rate
2.49% Fixed for 5 years
-
APRC
3.10%
-
Product Fee
£0
-
Monthly Repayment
£672.17
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.49% Fixed for 5 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£672.17 x 60
-
Ongoing Monthly Payments:
£738.95 x 240
-
Total Amount Payable:
£217,678.20
-
Total Interest Payable:
£67,678.20
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 5 yrs: 3/2/2/2/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.64% Variable
-
APRC
2.70%
-
Product Fee
£490
-
Monthly Repayment
£683.55
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.64% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£683.55 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£205,555
-
Total Interest Payable:
£55,065
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
2.74% Fixed for 2 years
-
APRC
3.50%
-
Product Fee
£490
-
Monthly Repayment
£691.20
-
Lender:
first direct
-
Max First Time Buyer LTV:
85%
-
Max House Purchase LTV:
85%
-
Max Remortgage LTV:
85%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.74% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£691.20 x 24
-
Ongoing Monthly Payments:
£749.63 x 276
-
Total Amount Payable:
£223,976.68
-
Total Interest Payable:
£73,486.68
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.79% Variable
-
APRC
2.80%
-
Product Fee
£0
-
Monthly Repayment
£695.04
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.79% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£695.04 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£208,512
-
Total Interest Payable:
£58,512
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct 5 Year Fixed
-
Initial Rate
2.89% Fixed for 5 years
-
APRC
3.30%
-
Product Fee
£490
-
Monthly Repayment
£702.76
-
Lender:
first direct
-
Max First Time Buyer LTV:
85%
-
Max House Purchase LTV:
85%
-
Max Remortgage LTV:
85%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.89% Fixed for 5 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£702.76 x 60
-
Ongoing Monthly Payments:
£744.89 x 240
-
Total Amount Payable:
£221,429.20
-
Total Interest Payable:
£70,939.20
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 5 yrs: 3/2/2/2/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
2.94% Fixed for 2 years
-
APRC
3.50%
-
Product Fee
£0
-
Monthly Repayment
£706.64
-
Lender:
first direct
-
Max First Time Buyer LTV:
85%
-
Max House Purchase LTV:
85%
-
Max Remortgage LTV:
85%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.94% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£706.64 x 24
-
Ongoing Monthly Payments:
£750.80 x 276
-
Total Amount Payable:
£224,180.16
-
Total Interest Payable:
£74,180.16
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 5 Year Fixed
-
Initial Rate
3.19% Fixed for 5 years
-
APRC
3.40%
-
Product Fee
£0
-
Monthly Repayment
£726.23
-
Lender:
first direct
-
Max First Time Buyer LTV:
85%
-
Max House Purchase LTV:
85%
-
Max Remortgage LTV:
85%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
3.19% Fixed for 5 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£726.23 x 60
-
Ongoing Monthly Payments:
£749.22 x 240
-
Total Amount Payable:
£223,386.60
-
Total Interest Payable:
£73,386.60
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 5 yrs: 3/2/2/2/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
3.19% Fixed for 2 years
-
APRC
3.60%
-
Product Fee
£490
-
Monthly Repayment
£726.23
-
Lender:
first direct
-
Max First Time Buyer LTV:
90%
-
Max House Purchase LTV:
90%
-
Max Remortgage LTV:
90%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
3.19% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£726.23 x 24
-
Ongoing Monthly Payments:
£752.22 x 276
-
Total Amount Payable:
£225,532.24
-
Total Interest Payable:
£75,042.24
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
3.29% Fixed for 2 years
-
APRC
3.60%
-
Product Fee
£490
-
Monthly Repayment
£734.15
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£30,000
-
Max Loan:
£1,000,000
-
Product Description:
3.29% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£734.15 x 24
-
Ongoing Monthly Payments:
£752.78 x 276
-
Total Amount Payable:
£225,876.88
-
Total Interest Payable:
£75,386.88
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
3.29% Variable
-
APRC
3.40%
-
Product Fee
£490
-
Monthly Repayment
£734.15
-
Lender:
first direct
-
Max First Time Buyer LTV:
90%
-
Max House Purchase LTV:
90%
-
Max Remortgage LTV:
90%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
3.29% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£734.15 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£220,735
-
Total Interest Payable:
£70,245
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
3.39% Variable
-
APRC
3.50%
-
Product Fee
£490
-
Monthly Repayment
£742.12
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£30,000
-
Max Loan:
£1,000,000
-
Product Description:
3.39% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£742.12 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£223,126
-
Total Interest Payable:
£72,636
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
3.39% Fixed for 2 years
-
APRC
3.60%
-
Product Fee
£0
-
Monthly Repayment
£742.12
-
Lender:
first direct
-
Max First Time Buyer LTV:
90%
-
Max House Purchase LTV:
90%
-
Max Remortgage LTV:
90%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
3.39% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£742.12 x 24
-
Ongoing Monthly Payments:
£753.33 x 276
-
Total Amount Payable:
£225,729.96
-
Total Interest Payable:
£75,729.96
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 5 Year Fixed
-
Initial Rate
3.44% Fixed for 5 years
-
APRC
3.60%
-
Product Fee
£490
-
Monthly Repayment
£746.12
-
Lender:
first direct
-
Max First Time Buyer LTV:
90%
-
Max House Purchase LTV:
90%
-
Max Remortgage LTV:
90%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
3.44% Fixed for 5 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£746.12 x 60
-
Ongoing Monthly Payments:
£752.76 x 240
-
Total Amount Payable:
£225,919.60
-
Total Interest Payable:
£75,429.60
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 5 yrs: 3/2/2/2/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct 2 Year Fixed
-
Initial Rate
3.49% Fixed for 2 years
-
APRC
3.60%
-
Product Fee
£0
-
Monthly Repayment
£750.13
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£30,000
-
Max Loan:
£1,000,000
-
Product Description:
3.49% Fixed for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£750.13 x 24
-
Ongoing Monthly Payments:
£753.88 x 276
-
Total Amount Payable:
£226,074
-
Total Interest Payable:
£76,074
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
3.49% Variable
-
APRC
3.50%
-
Product Fee
£0
-
Monthly Repayment
£750.13
-
Lender:
first direct
-
Max First Time Buyer LTV:
90%
-
Max House Purchase LTV:
90%
-
Max Remortgage LTV:
90%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
3.49% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£750.13 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£225,039
-
Total Interest Payable:
£75,039
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
3.59% Variable
-
APRC
3.60%
-
Product Fee
£0
-
Monthly Repayment
£758.20
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£30,000
-
Max Loan:
£1,000,000
-
Product Description:
3.59% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£758.20 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£227,460
-
Total Interest Payable:
£77,460
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
Your home may be repossessed if you do not keep up repayments on your mortgage.
The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.
Award-winning comparisons you can trust
It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.
First Direct Mortgages FAQ
Who is First Direct?
First Direct is a retail bank based in the UK that offers services online and through telephone banking. It has more than 1.3 million customers and offers a range of financial services. It is part of the HSBC banking group.
Can I get a mortgage with First Direct?
Yes, First Direct offers mortgages to those who want to buy their first home, as well as to those who want to move home. First Direct also offers re-mortgaging options for those who have a mortgage with another lender but who would like to move it to First Direct.
What types of mortgages does First Direct offer?
First direct offers three main types of mortgage:
- Fixed-rate mortgages: These mortgage deals allow borrowers to fix their interest rates at a certain percentage for a set period of time. They are often favoured by people who want to have a greater level of control over their spending and who want to be able to predict their household outgoings each month to enable them to plan their finances more effectively.
- Tracker mortgages: Tracker mortgages ‘track’ at a certain percentage above the Bank of England’s Base Rate. This can mean lower interest rates when the base rate remains low, but interest rates, and monthly repayments, as a result, can increase at any time. They can, of course, also decrease in line with the base rate so tracker mortgages are seen as a less-predictable type of mortgage but offer favourable rates when the base rate is low.
- Standard variable rate mortgages: These mortgages charge interest at First Direct’s Standard Variable Rate (SVR), which can change at any time. Fixed-rate mortgage borrowers will see their interest rate revert to the SVR after their fixed period is up.
Can I link my First Direct account to my mortgage and offset my interest rate?
Those with current accounts or savings accounts with First Direct can usually offset their mortgage against the balance. Therefore, they only pay interest on the difference between the balance outstanding on their mortgage and the balance held in their account.
Does First Direct offer mortgage research tools?
Yes. The First Direct website offers a range of calculators to help you work out how much you could borrow, what your repayments might be like and what mortgages you are likely to be offered. It also offers a calculator that can help you find out how much you can save if you overpay on your mortgage each month. However, it’s always important to check that overpayments are permitted on the deal you take out.
How do I apply for the First Direct mortgage?
You can apply for a First Direct mortgage online or on the phone.
Services offered by this provider may change over time. Always check Ts&Cs.
Featured brands
Popular Mortgage Links
- 0% Deposit Mortgages
- 1 Year Fixed Rate Mortgages
- 10 Year Fixed Rate Mortgages
- 10% Deposit Mortgages
- 100% LTV Mortgages
- 15% Deposit Mortgages
- 2 Year Fixed Rate Mortgages
- 20% Deposit Mortgages
- 3 Year Fixed Rate Mortgages
- 4 Year Fixed Rate Mortgages
- 5 Year Fixed Mortgages
- 5 Year Fixed Rate No Fee Mortgages
- 5 Year Fixed Rate Offset Mortgages
- 5 Year Fixed Rate Remortgages
- 5% Deposit Mortgage
- 50% LTV Mortgage
- 60% LTV Mortgages
- 65% LTV Mortgages
- 70% LTV Mortgages
- 75% LTV Mortgages
- 80% LTV Mortgages
- 85% LTV Mortgages
- 90% LTV Mortgages
- 95% Fixed Rate Mortgages
- 95% LTV Mortgages
- Bad Credit Mortgages
- Buy to Let 80% LTV Mortgages
- Buy to Let Fixed Rate Mortgages
- Buy to Let Mortgages
- Buy to Let No Fee Mortgages
- Buy to Let Remortgages
- Cashback Mortgages
- Current Account Mortgages
- Discount Mortgages
- First Time Buyer Help to Buy Mortgages
- First Time Buyer Mortgages
- First Time Buyers 100% Mortgages
- First Time Buyers 5% Deposit Mortgages
- First Time Buyers 95% LTV Mortgages
- Fixed Rate Interest Only Mortgages
- Fixed Rate Mortgages
- Fixed Rate No Fee Mortgages
- Flexible Mortgages
- Interest Only Mortgages
- Interest Only Remortgages
- Low Deposit Mortgages
- Lowest Fixed Rate Mortgages
- Mortgage Deals
- Mortgages
- No Fee Mortgages
- No Fee Remortgages
- Offset Mortgages
- Remortgages
- Repayment Mortgages
- Residential Mortgages
- Right to Buy Mortgages
- Shared Ownership
- Tracker Mortgages
- Variable Rate Mortgages
- Second Charge Mortgages