Mortgages

Compare our Mortgages

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Important Notes

first direct Offset Mortgages are interest only mortgages. The monthly payments shown on the next screen will cover only the interest charged on your mortgage.

This payment does not cover an amount that you need to pay to a repayment vehicle. You are responsible for making your own arrangements to repay your mortgage at the end of the mortgage term

You must demonstrate that you have a suitable repayment vehicle in place. You may choose to use an endowment policy or another investment or savings plan.

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Use this tool to find and compare first direct mortgages that may be available to you. Please ensure you read the Key Facts PDF download about our mortgage service. This information does not include all of the details that you need to choose a mortgage. Make sure you read the separate Key Facts Illustration Help before you make a decision.

Apply online


Follow these easy steps to start your online mortgage application:

  1. Search our range of mortgages to find and compare the ones available to you.
  2. Choose a mortgage that suits your needs.
  3. Select “Apply” to start your application or existing first direct mortgage customers please call 08 456 100 103 to switch your deal, or 08 456 100 236 for additional borrowing.

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Already a customer?

If you're an existing first direct mortgage customer and are thinking about changing your mortgage deal, borrowing more on your current mortgage, or making extra payments, you can visit our Existing Customers page. Alternatively, you can call us on 08 456 100 173.


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


Have a question or ready to apply?

Contact us

If you're new to
first direct

0800 48 24 48

first direct account holders

08 456 100 103

first direct mortgage holders

08 456 100 173

† Our Mortgage Team is available 8am to 10pm, 7 days a week