Amend an existing application

You can make the following amendments to your first direct online mortgage application:

  • Loans amount
  • Mortgage term
  • Mortgage type (i.e. change from Offset to Repayment only)
  • Interest rate (e.g. change to Fixed, Tracker or Standard Variable)

In order to make amendments you'll need to:

1. Use our 'compare our mortgages' tool to find the mortgage that you would now wish to change to – remembering to select 'Amending an existing application'

2. Select 'Further info' followed by 'Apply Now'

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 5 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 08 456 100 103.

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Before you get started here are the ways you can apply for a mortgage...

Taking out a mortgage is one of the biggest financial decisions you are likely to make. There are two ways that you’re able to apply, these have different types of service:

Apply by telephone

By calling us to apply for a mortgage you will receive advice in respect of your mortgage.

Apply online

By applying online you will not receive advice in respect of your mortgage.

Find and compare our Mortgages

Compare our Mortgages


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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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. View our fees. This information does not include all of the details that you need to select a mortgage or compare mortgages. Make sure you read the separate Key Facts Illustration Help before you make a decision.

Things to consider

There are a few things to consider when looking at the mortgage results shown above:

  • by using our telephone service we can offer you advice in respect of choosing a mortgage, taking into account your individual needs and financial circumstances. If you use our online service you will not receive advice in respect of your mortgage
  • you should only use the monthly payment calculations we've shown as a guide. We've based these on the information you entered into the calculator
  • our calculations don't include any costs or charges apart from those indicated within the calculator. They do not constitute a loan application, an offer of finance or loan approval to any existing first direct facility
  • please make sure you use the actual purchase price where asked for the purchase price and a conservative estimate when asked for the property value. The actual LTV (to be used by first direct) will be confirmed as part of the application process
  • we reserve the right to withdraw products at any time without notice
  • please make sure you read the Key Facts PDF download
  • our downloads are in a PDF format, to read them you'll need to have Adobe Reader 4.0™ or above. It's free and you can get Adobe Reader here (opens in a new window).

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

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