Amend your existing online application

If you’ve recently applied for your first direct mortgage online and wish to make any amendments to your application, you’re able to change the following online:

  • loan amount
  • mortgage term
  • mortgage type (i.e. change from offset to repayment only)
  • interest rate (e.g. change from fixed, tracker or standard variable)

In order to make amendments, you’ll need to:

1. Use our ‘Find a mortgage for you’ tool to find the mortgage you would now wish to change to – remembering to select ‘Amending an existing application’ in the ‘I am..’ field.

2. Once you’ve selected the mortgage, you’ll then need to click on ‘Full details’, followed by ‘How to Apply’.

3. Then simply follow the on-screen instructions.

Please Note: You'll need to complete a new mortgage application if you want to make any other amendments to your online mortgage application or if your application was submitted over five months ago. If you do not wish to amend your interest rate, but cannot find the interest rate you originally applied for, please call us on 03 456 100 103.

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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 strategy. 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 strategy in place. You may choose to use an endowment policy or another investment or savings plan.

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Existing mortgage customers

If you already have a mortgage with us we're here to help if you'd like to borrow more, are planning to move home or review your existing mortgage deal.

Review my existing mortgage

If your current mortgage deal is coming to an end or you’d like to review your existing mortgage deal, this could be the perfect time to take a look at our latest mortgage deals. To make life easier, you can agree a new deal up to 12 weeks before your current deal ends.

If you would like to discuss or review your existing mortgage please call us on 03 456 100 236.

Existing mortgage customers

  • to switch your current deal

    03 456 100 236

  • any other mortgage enquiries

    03 456 100 173

Borrow more money

If you're considering borrowing more money against your property for something special like home improvements, we could help. Please call us on 03 456 100 173.

Move home

If you're moving home, why not make the process simpler by moving your existing mortgage deal with you? Transferring your mortgage is known as "porting" - and you can top up any difference with an additional mortgage deal, though it's subject to status and first direct's lending criteria at the time of the request.

Just call our Mortgage team on 03 456 100 236 and they'd be happy to explain what's involved.

Of course you can find and compare our mortgages with our 'Find a mortgage for you tool'.

Make extra payments

A first direct mortgage gives you the flexibility to make overpayments on your mortgage – and with the Bank of England base rate still low, you might want to take advantage of the situation and pay off a little extra. You could reduce the amount of interest you pay, reduce your monthly payments, or even pay your mortgage off earlier – though Early Repayment Charges may apply depending on the interest rate you have chosen.

If you'd like to make an overpayment, just give us a call on 03 456 100 173 - and in the meantime, try our Overpayments calculator to work out how much you could save.

Get some help with my payments

It's not unusual for people's financial circumstances to change and if this is causing you concern the best thing to do is talk to us. We know your home is precious, so we have people who specialise in this area. Please call us straight away on 03 456 100 192. This team is here Monday to Thursday 8am to 9pm, Friday 8am to 8pm, Saturday 8am to 6:30pm, Sunday 9am to 6:30pm and 8am to 8pm on Bank Holidays (excluding Christmas Day).

Find a mortgage for you

Quickly search our wide range of mortgages to find those that may be available to you.

Find a mortgage

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

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