Our Mortgage rates
Whether you're a first time buyer, remortgaging, or moving home, we've made the process of helping you find a mortgage simple.
We offer two types of mortgage - repayment and offset. And for each of those types of mortgage, there are different types of interest rate.
In addition, we have a range of tools and calculators to help you make a decision. And of course, if you'd like to talk to us, just give us a call - we'd be happy to help.
How can we help?
If you're new to first direct
0800 48 24 48 †
first direct account holders
08 456 100 103 †
Existing mortgage holders
To switch your deal
08 456 100 236 †
Other queries
08 456 100 173 †
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.
Max LTV
This is the maximum LTV that will be accepted for this product. The loan to value represents the percentage of the value of the property which the borrower is seeking to borrow. E.g. a £100K property with an £80K mortgage = an 80% LTV.
The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
Interest Rate
This is the percentage rate at which the lender calculates the interest they charge the borrower for the mortgage.
Reverting to the Standard Variable Rate for the rest of the term
The Standard Variable Rate will vary over the term of the loan and is a variable rate set internally by first direct.
The overall cost for comparison is / Annual Percentage Rate (APR)
APR stands for the Annual Percentage Rate of charge used to compare loan offers.
Booking Fee
A non-refundable fee charged on some mortgages to secure a particular mortgage deal.
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down. The amount of the Arrangement Fee may vary depending on the product chosen.
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Mortgages
Sort upwards
Sort downwards
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|---|---|---|---|---|---|---|
| Life Tracker Repayment - Standard | 65% | 2.59% | 0% | 2.7% APR | £0 | £499 |
| Life Tracker Repayment - Fee Free | 65% | 2.89% | 0% | 2.9% APR | £0 | £0 |
| Life Tracker Repayment - Limited Edition | 65% | 2.28% | 0% | 2.4% APR | £0 | £1,999 |
| Life Tracker Repayment - Limited Edition | 65% | 2.54% | 0% | 2.6% APR | £0 | £999 |
| Life Tracker Repayment - Standard | 75% | 2.79% | 0% | 2.9% APR | £0 | £499 |
| Life Tracker Repayment - Fee Free | 75% | 3.09% | 0% | 3.1% APR | £0 | £0 |
| Life Tracker Repayment - Limited Edition | 90% | 3.99% | 0% | 4.1% APR | £0 | £999 |
| Life Tracker Repayment - Limited Edition - Fee Free | 90% | 4.19% | 0% | 4.3% APR | £0 | £0 |
Max LTV
This is the maximum LTV that will be accepted for this product. The loan to value represents the percentage of the value of the property which the borrower is seeking to borrow. E.g. a £100K property with an £80K mortgage = an 80% LTV.
The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
Interest Rate
This is the percentage rate at which the lender calculates the interest they charge the borrower for the mortgage.
Reverting to the Standard Variable Rate for the rest of the term
The Standard Variable Rate will vary over the term of the loan and is a variable rate set internally by first direct.
The overall cost for comparison is / Annual Percentage Rate (APR)
APR stands for the Annual Percentage Rate of charge used to compare loan offers.
Booking Fee
A non-refundable fee charged on some mortgages to secure a particular mortgage deal.
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down. The amount of the Arrangement Fee may vary depending on the product chosen.
|
Mortgages
Sort upwards
Sort downwards
|
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|---|---|---|---|---|---|---|
| 2 Year Fixed Offset - Standard | 65% | 2.79% | 3.69% | 3.7% APR | £499 | £0 |
| 2 Year Fixed Offset - Fee Free | 65% | 3.09% | 3.69% | 3.7% APR | £0 | £0 |
| 2 Year Fixed Offset - Standard | 75% | 3.09% | 3.69% | 3.7% APR | £499 | £0 |
| 2 Year Fixed Offset - Fee Free | 75% | 3.39% | 3.69% | 3.7% APR | £0 | £0 |
| 3 Year Fixed Offset - Standard | 65% | 2.99% | 3.69% | 3.7% APR | £499 | £0 |
| 3 Year Fixed Offset - Fee Free | 65% | 3.29% | 3.69% | 3.7% APR | £0 | £0 |
| 3 Year Fixed Offset - Limited Edition | 65% | 2.69% | 3.69% | 3.7% APR | £1,999 | £0 |
| 3 Year Fixed Offset - Standard | 75% | 3.29% | 3.69% | 3.7% APR | £499 | £0 |
| 3 Year Fixed Offset - Fee Free | 75% | 3.59% | 3.69% | 3.7% APR | £0 | £0 |
Max LTV
This is the maximum LTV that will be accepted for this product. The loan to value represents the percentage of the value of the property which the borrower is seeking to borrow. E.g. a £100K property with an £80K mortgage = an 80% LTV.
The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
Interest Rate
This is the percentage rate at which the lender calculates the interest they charge the borrower for the mortgage.
Reverting to the Standard Variable Rate for the rest of the term
The Standard Variable Rate will vary over the term of the loan and is a variable rate set internally by first direct.
The overall cost for comparison is / Annual Percentage Rate (APR)
APR stands for the Annual Percentage Rate of charge used to compare loan offers.
Booking Fee
A non-refundable fee charged on some mortgages to secure a particular mortgage deal.
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down. The amount of the Arrangement Fee may vary depending on the product chosen.
|
Mortgages
Sort upwards
Sort downwards
|
||||||
|---|---|---|---|---|---|---|
| 2 Year Tracker Offset - Standard | 65% | 2.79% | 3.69% | 3.7% APR | £0 | £499 |
| 2 Year Tracker Offset - Fee Free | 65% | 3.09% | 3.69% | 3.7% APR | £0 | £0 |
| 2 Year Tracker Offset - Limited Edition | 65% | 2.59% | 3.69% | 3.7% APR | £0 | £1,499 |
| 2 Year Tracker Offset - Standard | 75% | 3.19% | 3.69% | 3.7% APR | £0 | £499 |
| 2 Year Tracker Offset - Fee Free | 75% | 3.49% | 3.69% | 3.7% APR | £0 | £0 |
| Base Rate Tracker Offset - Standard | 65% | 2.99% | 0% | 3.1% APR | £0 | £499 |
| Base Rate Tracker Offset - Fee Free | 65% | 3.29% | 0% | 3.3% APR | £0 | £0 |
| Base Rate Tracker Offset - Standard | 75% | 3.39% | 0% | 3.5% APR | £0 | £499 |
| Base Rate Tracker Offset - Fee Free | 75% | 3.69% | 0% | 3.7% APR | £0 | £0 |
Max LTV
This is the maximum LTV that will be accepted for this product. The loan to value represents the percentage of the value of the property which the borrower is seeking to borrow. E.g. a £100K property with an £80K mortgage = an 80% LTV.
The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
Interest Rate
This is the percentage rate at which the lender calculates the interest they charge the borrower for the mortgage.
Reverting to the Standard Variable Rate for the rest of the term
The Standard Variable Rate will vary over the term of the loan and is a variable rate set internally by first direct.
The overall cost for comparison is / Annual Percentage Rate (APR)
APR stands for the Annual Percentage Rate of charge used to compare loan offers.
Booking Fee
A non-refundable fee charged on some mortgages to secure a particular mortgage deal.
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down. The amount of the Arrangement Fee may vary depending on the product chosen.
|
Mortgages
Sort upwards
Sort downwards
|
||||||
|---|---|---|---|---|---|---|
| Standard Variable Rate Offset - Standard | 75% | 3.69% | 3.69% | 3.8% APR | £0 | £499 |
Max LTV
This is the maximum LTV that will be accepted for this product. The loan to value represents the percentage of the value of the property which the borrower is seeking to borrow. E.g. a £100K property with an £80K mortgage = an 80% LTV.
The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
Interest Rate
This is the percentage rate at which the lender calculates the interest they charge the borrower for the mortgage.
Reverting to the Standard Variable Rate for the rest of the term
The Standard Variable Rate will vary over the term of the loan and is a variable rate set internally by first direct.
The overall cost for comparison is / Annual Percentage Rate (APR)
APR stands for the Annual Percentage Rate of charge used to compare loan offers.
Booking Fee
A non-refundable fee charged on some mortgages to secure a particular mortgage deal.
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down. The amount of the Arrangement Fee may vary depending on the product chosen.
We reserve the right to withdraw products at any time without notice.
Useful tools and calculators
We've gathered together a selection of handy calculators to help make your life a little easier.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Have a question or ready to apply?
Contact us
If you're new to first direct
0800 48 24 48 †
first direct account holders
08 456 100 103 †
Apply online
Follow these easy steps to start your online mortgage application:
- Search our range of mortgages to find and compare the ones available to you.
- Choose a mortgage that suits your needs.
- Select “Apply” to start your application or existing first direct mortgage customers please call 08 456 100 103 to switch your deal, or 08 456 100 236 for additional borrowing.
† Our Mortgage Team is available 8am to 10pm, 7 days a week
