Home Mortgages Find a mortgage for you Life Tracker Repayment - Fee Saver

Life Tracker Repayment - Fee Saver

Key mortgage features

Rate period
Interest rate
Reverts to SVR
Illustrative overall cost for comparison
Booking fee
Arrangement fee
Term of the loan 3.49% - 3.5% APRC £0 £0

Repayment type

Capital Repayment

Repayment means the way you choose to pay back the money you borrow.

A ‘Capital Repayment’ Mortgage covers the interest and also reduces the total balance outstanding.

An ‘Interest Only’ Mortgage covers just the interest and the original amount borrowed remains outstanding throughout the term of the mortgage.

Offset Mortgages are a type of interest only mortgage, where your interest can be reduced by offsetting your savings against the money you owe on your mortgage.

Qualifying criteria

Buyer type restrictions may apply.

Tracks the Bank of England Base Rate plus…

For Tracker Rate Mortgages only. The interest rate you pay is variable and is an agreed percentage above the Bank of England Base Rate for the duration of the Tracker Rate period. The interest rate payable will rise and fall in line with any changes to the Bank of England Base Rate.

Rate period

Term of the loan
The period of time which the Fixed or Tracker Rate applies. After this period the mortgage rate will revert to the Standard Variable Rate.

Maximum loan size

The maximum amount that can be borrowed for this mortgage product.


‘Porting’ is a term used for the transfer of your current first direct rate from one property to another when you sell your property and buy another at the same time. This may be available subject to Terms and Conditions.

This information doesn’t give you all the details you’ll need to make an informed decision about a mortgage. Please make sure you read each individual Mortgage Illustration before deciding whether the mortgage you’re looking at is right for you.

The Mortgage Illustration gives you tailored information, based on a particular mortgage and the amount of money you need, and shows associated rates and fees, the overall cost of the mortgage and your monthly payments. All lenders provide this information in the same format to make it easy to compare products. You can request a Mortgage Illustration for any product you’re eligible for.

How to apply

New mortgage customers


Our qualified Mortgage Advisors can help you find the right mortgage from our range, absolutely free and with no obligation over the phone.

To start an application, call us and get an Agreement in Principle. You’ll need details of your income and outgoings to hand.

We’ll let you know what documents you need to send us to support your application. After we’ve received these we’ll ring you to arrange a telephone appointment with one of our Mortgage Advisers.

New to first direct

0800 48 24 48

Existing 1st Account holders

03 456 100 103


Applying online with first direct is simple and convenient if you're happy to apply without mortgage advice. You need to be aware that if you apply online first direct isn't required to assess the suitability of the mortgage that you choose, and you won’t receive the same protection offered by the Financial Conduct Authority’s rules as customers who use the advised telephone service.

If you like to look of this mortgage rate and wish to apply, let's check that this rate is available for you.

Please use our 'Find the mortgage for you' tool to enter the details about your property and how much you would like to borrow.

You will be provided with all the mortgages that we might be able to offer you and you can then follow the links on how to apply from there.

Apply online

What we'll need from you

During your mortgage appointment we’ll ask you for details on all the money you earn and on your spending, so that we can accurately assess the right mortgage arrangements for you. This appointment usually takes up to two hours and you’ll need to be somewhere you can openly share the following types of personal information over the phone:

  • Income
  • Credit, store or charge card balances
  • Loans (both sole and joint applicants)
  • Car Leases
  • Pensions
  • School Fees
  • Childcare
  • Maintenance/Alimony

Existing mortgage customers

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

03 456 100 103

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

03 456 100 198

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

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

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