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Mortgage calculator

Our mortgage calculator will give you an idea of how much you might be able to borrow. Simply put, our mortgage calculator takes into consideration how much you earn and whether you're buying on your own or with someone else.

Enter your details in our mortgage calculator to get started.

How much can you borrow?

How much can you 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.

Why choose first direct for your mortgage?

The perfect mortgage looks different to everyone, that's why we offer a range of mortgage types and rates. Whichever first direct mortgage you choose, we could help you feel right at home:

  • mortgage advisers available 7 days a week
  • you could get an agreement in principle that lasts 6 months, sorted in a 30-minute phone call
  • fee-free valuation (Fee Saver mortgages available, too)
  • mortgage terms up to 40 years
  • if you already have a mortgage with us, you can take your first direct mortgage with you when you move house (known as porting)
  • view your mortgage balance on the first direct App
  • make unlimited overpayments on a first direct mortgage.

Find the mortgage for you

Contact us today

If you want to: Move house, remortgage, discuss rates or borrow more

New to first direct

0800 48 24 48

Mon to Sat 8am - 8pm and Sun 9am - 8pm

Existing first direct customers:

03 456 100 103

Mon to Sat 8am - 8pm and Sun 9am - 8pm


If you have: Completion questions, payment changes, statement requests, or to pay off your mortgage

03 456 100 198

Mon to Fri 8am - 9pm and Sat 8am - 5.30pm