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Mortgages

Amend your existing online application

If you’ve recently applied for your first direct mortgage online and wish to make any amendments to your application, you’re able to change the following online:

  • loan amount
  • mortgage term
  • mortgage type (i.e. change from offset to repayment only)
  • interest rate (e.g. change from fixed, tracker or standard variable)

In order to make amendments, you’ll need to:

1. Use our ‘Find a mortgage for you’ tool to find the mortgage you would now wish to change to – remembering to select ‘Amending an existing application’ in the ‘I am..’ field.

2. Once you’ve selected the mortgage, you’ll then need to click on ‘Full details’, followed by ‘How to Apply’.

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 five 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 03 456 100 103.

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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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Our mortgage rates

Whether you're a first time buyer, remortgaging (that's staying in the same house, but changing your mortgage), or moving home, we've created a range of mortgages for you.

We offer Repayment and Offset Mortgages with Fixed, Tracker and Standard Variable rates available.

To check if any of the rates listed below are available for you please use our 'Find a mortgage for you' tool to enter the details about your property and how much you would like to borrow.

We currently offer a range of mortgages to specific buyer types. Select your buyer type below to view the rates that may be available to you

Filter mortgage products

Repayment Mortgages - Fixed

Max
LTV
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Rate
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to SVR
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Overall
cost for
comparison
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Booking Fee
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Arrangement
Fee
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2 Year Fixed Repayment - Fee Saver 65% 1.99% 3.69% 3.4% APR £0 £0
2 Year Fixed Repayment - Fee Saver 70% 2.19% 3.69% 3.5% APR £0 £0
2 Year Fixed Repayment - Fee Saver 75% 2.34% 3.69% 3.5% APR £0 £0
2 Year Fixed Repayment - Fee Saver 80% 2.49% 3.69% 3.5% APR £0 £0
2 Year Fixed Repayment - Fee Saver 85% 2.79% 3.69% 3.6% APR £0 £0
3 Year Fixed Repayment - Fee Saver 65% 2.39% 3.69% 3.4% APR £0 £0
3 Year Fixed Repayment - Fee Saver 70% 2.69% 3.69% 3.5% APR £0 £0
3 Year Fixed Repayment - Fee Saver 75% 2.99% 3.69% 3.6% APR £0 £0
3 Year Fixed Repayment - Fee Saver 80% 3.19% 3.69% 3.6% APR £0 £0
5 Year Fixed Repayment - Fee Saver 65% 2.79% 3.69% 3.4% APR £0 £0
5 Year Fixed Repayment - Fee Saver 70% 3.09% 3.69% 3.5% APR £0 £0
5 Year Fixed Repayment - Fee Saver 75% 3.29% 3.69% 3.6% APR £0 £0
3 Year Fixed Repayment - Fee Saver 85% 3.39% 3.69% 3.7% APR £0 £0
3 Year Fixed Repayment - Fee Saver 90% 4.19% 3.69% 3.9% APR £0 £0
3 Year Fixed Repayment - Limited Edition 65% 1.68% 3.69% 3.3% APR £1,450 £0
2 Year Fixed Repayment - Fee Saver 90% 3.79% 3.69% 3.8% APR £0 £0
2 Year Fixed Repayment - Loyalty Fee Saver 65% 1.49% 3.69% 3.4% APR £0 £0
2 Year Fixed Repayment - Loyalty Fee Saver 70% 1.69% 3.69% 3.4% APR £0 £0
2 Year Fixed Repayment - Loyalty Fee Saver 75% 1.84% 3.69% 3.4% APR £0 £0
2 Year Fixed Repayment - Loyalty Fee Saver 80% 1.99% 3.69% 3.4% APR £0 £0
2 Year Fixed Repayment - Loyalty Fee Saver 85% 2.29% 3.69% 3.5% APR £0 £0
10 Year Fixed Repayment - Limited Edition 65% 3.09% 3.69% 3.4% APR £950 £0
3 Year Fixed Repayment - Loyalty Fee Saver 65% 1.89% 3.69% 3.3% APR £0 £0
3 Year Fixed Repayment - Loyalty Fee Saver 70% 2.19% 3.69% 3.4% APR £0 £0
3 Year Fixed Repayment - Loyalty Fee Saver 75% 2.49% 3.69% 3.4% APR £0 £0
3 Year Fixed Repayment - Loyalty Fee Saver 80% 2.69% 3.69% 3.5% APR £0 £0
10 Year Fixed Repayment - Limited Edition 75% 3.89% 3.69% 4.0% APR £950 £0
10 Year Fixed Repayment - Limited Edition 85% 4.29% 3.69% 4.3% APR £950 £0
5 Year Fixed Repayment - Fee Saver 80% 3.49% 3.69% 3.7% APR £0 £0
5 Year Fixed Repayment - Fee Saver 85% 3.79% 3.69% 3.8% APR £0 £0
5 Year Fixed Repayment - Fee Saver 90% 4.39% 3.69% 4.0% APR £0 £0
5 Year Fixed Repayment - Loyalty Fee Saver 65% 2.29% 3.69% 3.2% APR £0 £0
5 Year Fixed Repayment - Loyalty Fee Saver 70% 2.59% 3.69% 3.3% APR £0 £0
5 Year Fixed Repayment - Loyalty Fee Saver 75% 2.79% 3.69% 3.4% APR £0 £0
2 Year Fixed Repayment - Loyalty Fee Saver 90% 3.29% 3.69% 3.6% APR £0 £0
2 Year Fixed Repayment - Standard 65% 1.49% 3.69% 3.4% APR £950 £0
2 Year Fixed Repayment - Standard 70% 1.69% 3.69% 3.5% APR £950 £0
2 Year Fixed Repayment - Standard 75% 1.84% 3.69% 3.5% APR £950 £0
2 Year Fixed Repayment - Standard 80% 1.99% 3.69% 3.5% APR £950 £0
2 Year Fixed Repayment - Standard 85% 2.29% 3.69% 3.6% APR £950 £0
3 Year Fixed Repayment - Loyalty Fee Saver 85% 2.89% 3.69% 3.5% APR £0 £0
3 Year Fixed Repayment - Loyalty Fee Saver 90% 3.69% 3.69% 3.7% APR £0 £0
3 Year Fixed Repayment - Standard 65% 1.89% 3.69% 3.4% APR £950 £0
3 Year Fixed Repayment - Standard 70% 2.19% 3.69% 3.4% APR £950 £0
3 Year Fixed Repayment - Standard 75% 2.49% 3.69% 3.5% APR £950 £0
3 Year Fixed Repayment - Standard 80% 2.69% 3.69% 3.5% APR £950 £0
5 Year Fixed Repayment - Loyalty Fee Saver 80% 2.99% 3.69% 3.5% APR £0 £0
5 Year Fixed Repayment - Loyalty Fee Saver 85% 3.29% 3.69% 3.6% APR £0 £0
5 Year Fixed Repayment - Loyalty Fee Saver 90% 3.89% 3.69% 3.8% APR £0 £0
5 Year Fixed Repayment - Standard 65% 2.29% 3.69% 3.3% APR £950 £0
5 Year Fixed Repayment - Standard 70% 2.59% 3.69% 3.4% APR £950 £0
5 Year Fixed Repayment - Standard 75% 2.79% 3.69% 3.5% APR £950 £0
5 Year Fixed Repayment - Standard 80% 2.99% 3.69% 3.5% APR £950 £0
3 Year Fixed Repayment - Standard 85% 2.89% 3.69% 3.6% APR £950 £0
5 Year Fixed Repayment - Standard 85% 3.29% 3.69% 3.7% APR £950 £0
2 Year Fixed Repayment - Standard 90% 3.29% 3.69% 3.7% APR £950 £0
3 Year Fixed Repayment - Standard 90% 3.69% 3.69% 3.8% APR £950 £0
5 Year Fixed Repayment - Standard 90% 3.89% 3.69% 3.9% APR £950 £0

Repayment Mortgages - Tracker

Max
LTV
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Rate
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to SVR
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Overall
cost for
comparison
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Booking Fee
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Arrangement
Fee
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Life Tracker Repayment - Fee Saver 65% 2.49% 0% 2.5% APR £0 £0
Life Tracker Repayment - Fee Saver 70% 2.69% 0% 2.7% APR £0 £0
Life Tracker Repayment - Fee Saver 75% 2.89% 0% 2.9% APR £0 £0
Life Tracker Repayment - Fee Saver 80% 3.09% 0% 3.1% APR £0 £0
Life Tracker Repayment - Fee Saver 85% 4.29% 0% 4.4% APR £0 £0
Life Tracker Repayment - Fee Saver 90% 4.79% 0% 4.9% APR £0 £0
Life Tracker Repayment - Loyalty Fee Saver 65% 1.99% 0% 2.0% APR £0 £0
Life Tracker Repayment - Loyalty Fee Saver 70% 2.19% 0% 2.2% APR £0 £0
Life Tracker Repayment - Loyalty Fee Saver 75% 2.39% 0% 2.4% APR £0 £0
Life Tracker Repayment - Loyalty Fee Saver 80% 2.59% 0% 2.6% APR £0 £0
Life Tracker Repayment - Loyalty Fee Saver 85% 3.79% 0% 3.9% APR £0 £0
Life Tracker Repayment - Loyalty Fee Saver 90% 4.29% 0% 4.4% APR £0 £0
Life Tracker Repayment - Standard 65% 1.99% 0% 2.1% APR £0 £950
Life Tracker Repayment - Standard 70% 2.19% 0% 2.3% APR £0 £950
Life Tracker Repayment - Standard 75% 2.39% 0% 2.5% APR £0 £950
Life Tracker Repayment - Standard 80% 2.59% 0% 2.7% APR £0 £950
Life Tracker Repayment - Standard 85% 3.79% 0% 3.9% APR £0 £950
Life Tracker Repayment - Standard 90% 4.29% 0% 4.4% APR £0 £950

Offset Mortgages - Fixed

Max
LTV
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Rate
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Reverts
to SVR
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Overall
cost for
comparison
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Booking Fee
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Arrangement
Fee
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2 Year Fixed Offset - Standard 65% 1.99% 3.69% 3.6% APR £950 £0
2 Year Fixed Offset - Fee Saver 65% 2.49% 3.69% 3.6% APR £0 £0
2 Year Fixed Offset - Standard 70% 2.19% 3.69% 3.6% APR £950 £0
2 Year Fixed Offset - Fee Saver 70% 2.69% 3.69% 3.6% APR £0 £0
2 Year Fixed Offset - Standard 75% 2.34% 3.69% 3.6% APR £950 £0
2 Year Fixed Offset - Fee Saver 75% 2.84% 3.69% 3.6% APR £0 £0
3 Year Fixed Offset - Standard 65% 2.39% 3.69% 3.6% APR £950 £0
3 Year Fixed Offset - Fee Saver 65% 2.89% 3.69% 3.6% APR £0 £0
3 Year Fixed Offset - Limited Edition 65% 2.49% 3.69% 3.6% APR £1,450 £0
3 Year Fixed Offset - Standard 70% 2.69% 3.69% 3.6% APR £950 £0
3 Year Fixed Offset - Fee Saver 70% 3.19% 3.69% 3.7% APR £0 £0
3 Year Fixed Offset - Standard 75% 2.99% 3.69% 3.7% APR £950 £0
3 Year Fixed Offset - Fee Saver 75% 3.49% 3.69% 3.7% APR £0 £0
2 Year Fixed Offset - Loyalty Fee Saver 65% 1.99% 3.69% 3.5% APR £0 £0
2 Year Fixed Offset - Loyalty Fee Saver 70% 2.19% 3.69% 3.6% APR £0 £0
2 Year Fixed Offset - Loyalty Fee Saver 75% 2.34% 3.69% 3.6% APR £0 £0
3 Year Fixed Offset - Loyalty Fee Saver 65% 2.39% 3.69% 3.5% APR £0 £0
3 Year Fixed Offset - Loyalty Fee Saver 70% 2.69% 3.69% 3.6% APR £0 £0
3 Year Fixed Offset - Loyalty Fee Saver 75% 2.99% 3.69% 3.6% APR £0 £0

Offset Mortgages - Tracker

Max
LTV
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Rate
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Reverts
to SVR
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Overall
cost for
comparison
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Booking Fee
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Arrangement
Fee
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Base Rate Tracker Offset - Standard 65% 2.79% 0% 2.9% APR £0 £950
Base Rate Tracker Offset - Fee Saver 65% 3.29% 0% 3.3% APR £0 £0
Base Rate Tracker Offset - Standard 70% 2.89% 0% 3.0% APR £0 £950
Base Rate Tracker Offset - Fee Saver 70% 3.39% 0% 3.4% APR £0 £0
Base Rate Tracker Offset - Standard 75% 2.99% 0% 3.1% APR £0 £950
Base Rate Tracker Offset - Fee Saver 75% 3.49% 0% 3.5% APR £0 £0
2 Year Tracker Offset - Standard 65% 2.19% 3.69% 3.6% APR £0 £950
2 Year Tracker Offset - Fee Saver 65% 2.69% 3.69% 3.6% APR £0 £0
2 Year Tracker Offset - Limited Edition 65% 1.29% 3.69% 3.5% APR £0 £1,450
2 Year Tracker Offset - Standard 70% 2.29% 3.69% 3.6% APR £0 £950
2 Year Tracker Offset - Fee Saver 70% 2.79% 3.69% 3.6% APR £0 £0
2 Year Tracker Offset - Standard 75% 2.39% 3.69% 3.6% APR £0 £950
2 Year Tracker Offset - Fee Saver 75% 2.89% 3.69% 3.6% APR £0 £0
Base Rate Tracker Offset - Loyalty Fee Saver 65% 2.79% 0% 2.8% APR £0 £0
Base Rate Tracker Offset - Loyalty Fee Saver 70% 2.89% 0% 2.9% APR £0 £0
Base Rate Tracker Offset - Loyalty Fee Saver 75% 2.99% 0% 3.0% APR £0 £0
2 Year Tracker Offset - Loyalty Fee Saver 65% 2.19% 3.69% 3.6% APR £0 £0
2 Year Tracker Offset - Loyalty Fee Saver 70% 2.29% 3.69% 3.6% APR £0 £0
2 Year Tracker Offset - Loyalty Fee Saver 75% 2.39% 3.69% 3.6% APR £0 £0

Offset Mortgages - Standard Variable Rate

Max
LTV
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Rate
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Reverts
to SVR
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Overall
cost for
comparison
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Booking Fee
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Arrangement
Fee
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Standard Variable Rate Offset - Standard 75% 3.69% 3.69% 3.8% APR £0 £500

Find a mortgage for you

Quickly search our wide range of mortgages to find those that may be available to you.

Find a mortgage

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

† Our Mortgage Team is available 8am to 10pm, 7 days a week