Home Mortgages


Find a mortage for you

Find the mortgage for you

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How much can you borrow?

How much can you borrow?

Amount you could 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.

The amount we may consider lending will depend on your individual situation, the type of property you’re purchasing, the loan you choose and the amount you borrow.

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

Give us a call or apply online. New customers should call 03 456 100 103, while existing customers call us on 03 456 100 236 if you’d like to switch your mortgage to us, or 03 456 100 173 to ask a general question.

More about how to apply


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

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

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Protect their future with first direct Life Insurance, provided by HSBC Life (UK) Limited.

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Contact us

New to first direct

Call us on

0800 48 24 48

Existing 1st Account holders

03 456 100 103

Existing mortgage customers

Contact us on

03 456 100 236

Other mortgage enquiries

03 456 100 173

Our Mortgage Team is available Mon to Fri 8am to 10pm, Sat 8am to 8pm and Sun 9am to 8pm.