In line with the government's Mortgage Charter, first direct can now offer more options to help mortgage customers through the cost of living crisis.

October 2024 Which? recommended provider mortgages

Looking for a new mortgage?

Then you've come to the right place. first direct has been named a Which? Recommended Mortgage Provider for 2024.

Explore our range of mortgages or use one of our calculators to see what products you could be eligible for, how much you could borrow, and what your monthly payments might look like.

Don’t forget you won’t find our mortgage deals through a broker, so come to us direct.

Get started
How much can you borrow?

How much can you borrow?

Amount you can borrow £0

Important information

The figures in this tool are to give you an idea and don’t necessarily mean we’ll be able to lend you that amount.

Why choose first direct for your mortgage?

The perfect mortgage looks different to everyone, that's why we offer different rate types. Whichever first direct mortgage you choose, we could help you feel right at home:

  • Get an agreement in principle (AiP) that is valid for six months
  • Award winning team available seven days a week
  • lower monthly payments with terms up to 40 years and flexibility to change this at any time*
  • You could pay off your mortgage sooner with unlimited overpayments**

* This could mean that you will pay more interest over the lifetime of the mortgage.

** An overpayment may be subject to an Early Repayment Charge if the mortgage account is repaid in full during the fixed rate period.

Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.

Our mortgage types and rates explained

What’s the difference between a Repayment Mortgage and an Offset Mortgage? Should you go for a Tracker or a Fixed Rate? Find out more about the sorts of mortgages we offer here.

About our mortgages and rate types

Mortgage guides

What happens when – and why…? Whether you’re a first time buyer, remortgaging your current house, moving to a new place or an existing customer, we’ve got a handy buyers’ guide for you.

See all our mortgage guides

Rates & fees

Because we know you’re looking for the best value you can, we’ve outlined the rates and fees for all of our mortgages here so you can quickly and easily compare.

Our mortgage rates and fees

How to apply

You can give us a call or apply online. Find out more about how to apply and our mortgage application process.

More about how to apply

Calculators

Get an idea of what we could offer and ways you may be able to pay it off quicker.

  • how much can you borrow?
  • find a mortgage for you
  • Offset Mortgage calculator
  • overpayment calculator.

See our calculators

Useful documents

Tools you might like

Contact us today

If you want to: Find out more information about your existing mortgage rate

Chat with us

Log in > select 'Message us'

If you want to: Move house, remortgage, discuss rates or borrow more

New to first direct

0800 48 24 48

Mon to Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.

Existing first direct customers:

03 456 100 103

Mon to Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.

If you have: Completion questions, payment changes, statement requests, or to pay off your mortgage

03 456 100 198

Mon to Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.

If you have: An ongoing mortgage application

03 456 100 173

Mon to Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.