Mortgages

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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Useful links & contacts

Buying a home is a big decision - so you may want to do a bit of research before you make any commitments. We've put together a list of contacts that might help.

Mortgage information

Books - there are many useful books such as the Which? Essential Guide Buy, Sell and Move House: Navigate the Property Market without Getting Lost.

Mortgage information - the Council of Mortgage Lenders is the trade association for the mortgage-lending industry. Its website also provides consumer information. The government website has detailed step-by-step information and advice on applying for a mortgage.

Legal information

Conveyancers - the Council for Licensed Conveyancers has a searchable database of qualified conveyancers.

Estate agents - use a directory of reputable estate agents, tips for buyers, and download property - buying guides. Visit the National Association of Estate Agents website to find out more.

Planning - your solicitor will look into this for you but you can also look into if there are future building developments in an area.

Solicitors - the Law Society's website has a searchable database of solicitors. You could also ask family and friends for recommendations.

Surveyors - search for a Royal Institute of Chartered Surveyors qualified surveyor.

Stamp Duty Land Tax - get the basics and find out about thresholds and rates.

Local information

Council tax - understand the different property bands and charges.

Transport - the government website provides information and advice on travelling by taxi, bus, train, plane or boat within the UK.

Art and leisure - find out about events and facilities in the area.

Childcare - search for a local Sure Start Children's Centre.

Doctors and dentists - find NHS services in the area.

Crime rates - find out about local crime rates.

Environment - consult interactive maps showing information on water, pollution and landfills.

House prices - for average house prices in England and Wales, use the Land Registry's independent house price index.

Neighbourhood summaries - type in a postcode to get information on crime, living environments and people from the Office of Statistics.

Parks and recreation areas - find where the green spaces are.

Schools and education - research primary and secondary schools in an area and access Ofsted reports. Various national newspapers have school guides online for a small subscription.

Sports facilities - visit your local council's website to find leisure centres and sports activities in the area.

Useful tools

Street view - you can view street-level images of neighbourhoods you're considering by using Google Street View.

Property finder websites - search for properties by area with websites such as Fish4homes, Primelocation, Rightmove and Zoopla.

Roads - find out about road networks and future developments across England, Scotland and Wales Flooding - use the Land Registry's flood-risk-indicator tool.

Helpful hands

Removal companies - you can compare quotes from removal companies by using online comparison sites.

Tradesmen - search for trusted heating engineers, electricians and builders at TrustATrader.

Energy saving improvements - find out more about The Green Deal government scheme that could help you make energy-saving improvements, like adding insulation to your property.

Links to external websites are not reflective of first direct's ability to offer a mortgage, nor do we accept any liability for the accuracy of the information provided by these websites.

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