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Our mortgage rates
Here’s a list of all the mortgages we currently offer – and their different rates. You can see which ones are available for you with our 'Find the mortgage for you' tool.
Repayment Mortgages  Fixed
Mortgage 
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. 
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

Booking fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

Arrangement fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.


2 Year Fixed Repayment  Fee Saver 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.64%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Fee Saver 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.74%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Fee Saver 
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.84%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Fee Saver 
85%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.94%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Fee Saver 
90%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.44%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Fee Saver 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.94%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.9% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Fee Saver 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.19%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.0% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Fee Saver 
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.34%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.1% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Fee Saver 
85%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.44%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.1% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Fee Saver 
90%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.89%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
10 Year Fixed Repayment  Fee Saver 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.49%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.8% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
10 Year Fixed Repayment  Fee Saver 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.64%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.9% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
10 Year Fixed Repayment  Fee Saver 
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.89%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.1% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Standard 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.18%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Standard 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.34%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Standard 
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.34%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Standard 
85%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.44%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Repayment  Standard 
90%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.89%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Standard 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.79%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.0% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Standard 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.99%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.1% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Standard 
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.09%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.1% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Standard 
85%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.24%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
5 Year Fixed Repayment  Standard 
90%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.74%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details 
Repayment Mortgages  Tracker
Mortgage 
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. 
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

Booking fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

Arrangement fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.


Life Tracker Repayment  Fee Saver 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.39%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Fee Saver 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.39%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Fee Saver 
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.74%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.8% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Fee Saver 
85%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

3.29%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Fee Saver 
90%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

3.29%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Standard 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.09%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£1,450
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Standard 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.09%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£1,450
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Standard 
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.14%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£1,450
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Standard 
85%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.99%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£1,450
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Life Tracker Repayment  Standard 
90%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.99%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£1,450
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details 
Offset Mortgages  Fixed
Mortgage 
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. 
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

Booking fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

Arrangement fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.


2 Year Fixed Offset  Fee Saver 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.14%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Offset  Fee Saver 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.24%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Offset  Standard 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.59%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
2 Year Fixed Offset  Standard 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

1.64%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£1,450
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details 
Offset Mortgages  Tracker
Mortgage 
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. 
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

Booking fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

Arrangement fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.


Base Rate Tracker Offset  Fee Saver 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.79%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.8% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Base Rate Tracker Offset  Fee Saver 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.79%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.8% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£0
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Base Rate Tracker Offset  Standard 
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.49%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.6% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£1,450
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details  
Base Rate Tracker Offset  Standard 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

2.49%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.


Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

2.6% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£1,450
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details 
Offset Mortgages  Standard Variable Rate
Mortgage 
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. 
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

Booking fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

Arrangement fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.


Standard Variable Rate Offset  Standard 
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

3.69%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.

3.69%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.

3.8% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.

£0
Booking Fee
This is a nonrefundable fee charged on some (but not all) mortgages, to secure a particular rate or deal.

£950
Arrangement Fee
An arrangement fee applies to some mortgages – it’s paid when your mortgage is drawn down (the loan is released). The arrangement fee charged varies depending on the mortgage you choose – some of our mortgages have no arrangement fee at all.

Full Details 
Find the mortgage for you
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