Home Mortgages Mortgage rates and fees Our Mortgage rates

Our Mortgage rates

Here’s a list of all the mortgages we currently offer – and their different rates. You should bear in mind that mortgages can be withdrawn and interest rates can change at any time. You can see which ones are available for you with our 'Find the mortgage for you' tool.

For our mortgage comparison tool, please select:
Remortgage – if you currently hold a mortgage with another lender and are looking to bring this to first direct.
First Time Buyer – if you have never been an owner of a residential property in the UK, or anywhere else in the world, and intend to occupy a property as your main residence. For joint applications, both customers must be first buyers to qualify for first time buyer products.
Home Mover – if you currently own your home, and have a mortgage either with first direct or another provider, and are looking to move and get a mortgage on your new home.
Existing Mortgage Customer – if you have your mortgage with first direct already and are looking to make changes to it, such as borrow more money, or look at a new rate.
Amend an Existing Application – if you have made an application online previously and need to make changes to it.

Find a rate

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