Existing customers
As an existing first direct mortgage customer, you'll know what a difference banking with first direct can make. Whether you're looking to borrow more, move home, make extra payments, or just talk to us about your existing mortgage, we're here for you 24 7 365.
I'd like to...
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.
We have a range of fixed and variable mortgages with competitive rates available on both and we can offer you the same great rates as new customers.
Find and Compare our Mortgages
08 456 100 236
You can speak to our Mortgage Team from 8am to 10pm,
7 days a week.
Borrow more money
If you're considering borrowing more money against your property for something special like home improvements, we could help.
Just give us a call and we can talk you through your options.
08 456 100 173
You can speak to our Mortgage Team from 8am to 10pm,
7 days a week.
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 Terms and Conditions. Just call our Mortgage team and they'd be happy to explain what's involved.
Of course, you're also free to pick out a new mortgage from our range of deals - you can find and compare our mortgages with our comparison tool below.
Find and Compare our Mortgages
08 456 100 173
You can speak to our Mortgage Team from 8am to 10pm,
7 days a week.
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 relatively 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 - and in the meantime, try our Overpayments calculator to work out how much you could save.
08 456 100 173
You can speak to our Mortgage Team from 8am to 10pm,
7 days a week.
Get some help with my payments
We all may have money worries from time to time - but the best thing to do is talk to us before they start to cause sleepless nights.
We know your home is precious, so we have people who specialise in this area. If you're struggling with your first direct mortgage payments, contact us straight away on 08 456 100 192. The team are available 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).
If you feel like you could do with some help in the meantime, why not use our Budgeting tool or visit our Money worries? section for more information.
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
first direct account holders
08 456 100 103
Existing mortgage holders
To switch your deal
08 456 100 236
Other queries
08 456 100 173
Our Mortgage Team are available 8am to 10pm,
7 days a week
Tweet us
We're here to help 24 7 365, send us a tweet @firstdirecthelp
