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 You should bear in mind that mortgages can be withdrawn and interest rates can change at any time.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.

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Repayment Mortgages - Fixed

Mortgage
Max LTV
Interest rate
Reverts to SVR
Overall cost for comparison
Booking fee
Arrangement fee
2 Year Fixed Repayment - Fee Saver 60%
Max LTV
1.49%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Fee Saver 75%
Max LTV
1.59%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Fee Saver 80%
Max LTV
1.69%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Fee Saver 85%
Max LTV
1.74%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Fee Saver 90%
Max LTV
2.34%
Interest Rate
3.69%
Reverts to SVR
3.4% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Fee Saver 60%
Max LTV
1.84%
Interest Rate
3.69%
Reverts to SVR
2.8% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Fee Saver 75%
Max LTV
1.99%
Interest Rate
3.69%
Reverts to SVR
2.9% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Fee Saver 80%
Max LTV
2.19%
Interest Rate
3.69%
Reverts to SVR
3.0% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Fee Saver 85%
Max LTV
2.34%
Interest Rate
3.69%
Reverts to SVR
3.1% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Fee Saver 90%
Max LTV
2.89%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
10 Year Fixed Repayment - Fee Saver 60%
Max LTV
2.49%
Interest Rate
3.69%
Reverts to SVR
2.8% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
10 Year Fixed Repayment - Fee Saver 75%
Max LTV
2.64%
Interest Rate
3.69%
Reverts to SVR
2.9% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
10 Year Fixed Repayment - Fee Saver 80%
Max LTV
2.89%
Interest Rate
3.69%
Reverts to SVR
3.1% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Standard 60%
Max LTV
1.24%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Standard 75%
Max LTV
1.34%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Standard 80%
Max LTV
1.44%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Standard 85%
Max LTV
1.49%
Interest Rate
3.69%
Reverts to SVR
3.3% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Repayment - Standard 90%
Max LTV
2.09%
Interest Rate
3.69%
Reverts to SVR
3.5% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Standard 60%
Max LTV
1.74%
Interest Rate
3.69%
Reverts to SVR
2.9% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Standard 75%
Max LTV
1.89%
Interest Rate
3.69%
Reverts to SVR
2.9% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Standard 80%
Max LTV
2.09%
Interest Rate
3.69%
Reverts to SVR
3.0% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Standard 85%
Max LTV
2.24%
Interest Rate
3.69%
Reverts to SVR
3.1% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
5 Year Fixed Repayment - Standard 90%
Max LTV
2.79%
Interest Rate
3.69%
Reverts to SVR
3.4% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details

Repayment Mortgages - Tracker

Mortgage
Max LTV
Interest rate
Reverts to SVR
Overall cost for comparison
Booking fee
Arrangement fee
Life Tracker Repayment - Fee Saver 60%
Max LTV
2.39%
Interest Rate
-
Reverts to SVR
2.4% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
Life Tracker Repayment - Fee Saver 75%
Max LTV
2.39%
Interest Rate
-
Reverts to SVR
2.4% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
Life Tracker Repayment - Fee Saver 80%
Max LTV
2.74%
Interest Rate
-
Reverts to SVR
2.8% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
Life Tracker Repayment - Fee Saver 85%
Max LTV
3.29%
Interest Rate
-
Reverts to SVR
3.3% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
Life Tracker Repayment - Fee Saver 90%
Max LTV
3.29%
Interest Rate
-
Reverts to SVR
3.3% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
Life Tracker Repayment - Standard 60%
Max LTV
2.09%
Interest Rate
-
Reverts to SVR
2.2% APRC
Overall cost for comparison
£0
Booking Fee
£725
Arrangement Fee
Full Details
Life Tracker Repayment - Standard 75%
Max LTV
2.09%
Interest Rate
-
Reverts to SVR
2.2% APRC
Overall cost for comparison
£0
Booking Fee
£725
Arrangement Fee
Full Details
Life Tracker Repayment - Standard 80%
Max LTV
2.14%
Interest Rate
-
Reverts to SVR
2.2% APRC
Overall cost for comparison
£0
Booking Fee
£725
Arrangement Fee
Full Details
Life Tracker Repayment - Standard 85%
Max LTV
2.99%
Interest Rate
-
Reverts to SVR
3.1% APRC
Overall cost for comparison
£0
Booking Fee
£725
Arrangement Fee
Full Details
Life Tracker Repayment - Standard 90%
Max LTV
2.99%
Interest Rate
-
Reverts to SVR
3.1% APRC
Overall cost for comparison
£0
Booking Fee
£725
Arrangement Fee
Full Details

Offset Mortgages - Fixed

Mortgage
Max LTV
Interest rate
Reverts to SVR
Overall cost for comparison
Booking fee
Arrangement fee
2 Year Fixed Offset - Fee Saver 60%
Max LTV
2.14%
Interest Rate
3.69%
Reverts to SVR
3.5% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Offset - Fee Saver 75%
Max LTV
2.24%
Interest Rate
3.69%
Reverts to SVR
3.5% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Offset - Standard 60%
Max LTV
1.69%
Interest Rate
3.69%
Reverts to SVR
3.5% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details
2 Year Fixed Offset - Standard 75%
Max LTV
1.74%
Interest Rate
3.69%
Reverts to SVR
3.5% APRC
Overall cost for comparison
£725
Booking Fee
£0
Arrangement Fee
Full Details

Offset Mortgages - Tracker

Mortgage
Max LTV
Interest rate
Reverts to SVR
Overall cost for comparison
Booking fee
Arrangement fee
Base Rate Tracker Offset - Fee Saver 60%
Max LTV
2.79%
Interest Rate
-
Reverts to SVR
2.8% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
Base Rate Tracker Offset - Fee Saver 75%
Max LTV
2.79%
Interest Rate
-
Reverts to SVR
2.8% APRC
Overall cost for comparison
£0
Booking Fee
£0
Arrangement Fee
Full Details
Base Rate Tracker Offset - Standard 60%
Max LTV
2.54%
Interest Rate
-
Reverts to SVR
2.6% APRC
Overall cost for comparison
£0
Booking Fee
£725
Arrangement Fee
Full Details
Base Rate Tracker Offset - Standard 75%
Max LTV
2.54%
Interest Rate
-
Reverts to SVR
2.6% APRC
Overall cost for comparison
£0
Booking Fee
£725
Arrangement Fee
Full Details

Find the mortgage for you

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

Contact us

If you want to:

Move house, remortgage, discuss rates or borrow more

New to first direct

0800 48 24 48

Existing first direct customers:

03 456 100 103

If you have:

Completion questions, payment changes, statement requests, or to pay off your mortgage

03 456 100 198

Lines are open Mon to Fri 8am to 10pm, Sat 8am to 8pm and Sun 9am to 8pm.

Lines are open Mon to Fri 8am to 9pm, Sat 8am to 5.30pm.