Mortgages

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 compare our mortgages. When you are ready, there are two ways you can apply and each offers a different type of service. If you apply by telephone, we will provide you with advice in respect of choosing a mortgage taking into account your individual needs and financial circumstances. If you use our online service you will not receive advice in respect of your mortgage.

How can we help?

If you're new to first direct

0800 48 24 48

first direct account holders

08 456 100 103

Existing first direct 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.

Repayment Mortgages - Fixed
Overall
cost for
comparison Sort upwards Sort downwards Help
Arrangement
Fee Sort upwards Sort downwards Help
2 Year Fixed Repayment - Standard 65% 2.59% 3.69% 3.6% APR £500 £0
2 Year Fixed Repayment - Fee Saver 65% 2.99% 3.69% 3.6% APR £0 £0
2 Year Fixed Repayment - Standard 75% 2.79% 3.69% 3.6% APR £500 £0
2 Year Fixed Repayment - Fee Saver 75% 3.19% 3.69% 3.7% APR £0 £0
2 Year Fixed Repayment - Limited Edition 85% 3.39% 3.69% 3.7% APR £500 £0
2 Year Fixed Repayment - Limited Edition 90% 3.89% 3.69% 3.9% APR £1,000 £0
2 Year Fixed Repayment - Limited Edition - Fee Saver 90% 4.29% 3.69% 3.9% APR £0 £0
2 Year Fixed Repayment - Standard 65% 2.59% 3.69% 3.6% APR £100 £0
2 Year Fixed Repayment - Standard 75% 2.79% 3.69% 3.6% APR £100 £0
3 Year Fixed Repayment - Standard 65% 2.89% 3.69% 3.6% APR £500 £0
3 Year Fixed Repayment - Fee Saver 65% 3.29% 3.69% 3.6% APR £0 £0
3 Year Fixed Repayment - Standard 75% 3.19% 3.69% 3.7% APR £500 £0
3 Year Fixed Repayment - Fee Saver 75% 3.59% 3.69% 3.7% APR £0 £0
3 Year Fixed Repayment - Standard 65% 2.89% 3.69% 3.6% APR £100 £0
3 Year Fixed Repayment - Standard 75% 3.19% 3.69% 3.6% APR £100 £0
5 Year Fixed Repayment - Standard 65% 3.39% 3.69% 3.7% APR £500 £0
5 Year Fixed Repayment - Fee Saver 65% 3.79% 3.69% 3.8% APR £0 £0
5 Year Fixed Repayment - Standard 75% 3.59% 3.69% 3.8% APR £500 £0
5 Year Fixed Repayment - Fee Saver 75% 3.99% 3.69% 3.9% APR £0 £0
5 Year Fixed Repayment - Limited Edition 85% 4.29% 3.69% 4.0% APR £500 £0
5 Year Fixed Repayment - Limited Edition 90% 4.69% 3.69% 4.3% APR £1,000 £0
5 Year Fixed Repayment - Limited Edition - Fee Saver 90% 4.89% 3.69% 4.3% APR £0 £0
5 Year Fixed Repayment - Standard 65% 3.39% 3.69% 3.6% APR £100 £0
5 Year Fixed Repayment - Standard 75% 3.59% 3.69% 3.7% APR £100 £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.


Repayment Mortgages - Tracker
Overall
cost for
comparison Sort upwards Sort downwards Help
Arrangement
Fee Sort upwards Sort downwards Help
Life Tracker Repayment - Standard 65% 2.29% 0% 2.4% APR £0 £500
Life Tracker Repayment - Fee Saver 65% 2.69% 0% 2.7% APR £0 £0
Life Tracker Repayment - Standard 75% 2.49% 0% 2.6% APR £0 £500
Life Tracker Repayment - Fee Saver 75% 2.89% 0% 2.9% APR £0 £0
Life Tracker Repayment - Limited Edition 85% 3.69% 0% 3.8% APR £0 £500
Life Tracker Repayment - Limited Edition 90% 4.49% 0% 4.7% APR £0 £1,000
Life Tracker Repayment - Limited Edition - Fee Saver 90% 4.69% 0% 4.8% APR £0 £0
Life Tracker Repayment - Standard 65% 2.29% 0% 2.3% APR £0 £100
Life Tracker Repayment - Standard 75% 2.49% 0% 2.5% APR £0 £100

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.


Offset Mortgages - Fixed
Overall
cost for
comparison Sort upwards Sort downwards Help
Arrangement
Fee Sort upwards Sort downwards Help
2 Year Fixed Offset - Standard 65% 3.09% 3.69% 3.7% APR £500 £0
2 Year Fixed Offset - Fee Saver 65% 3.49% 3.69% 3.7% APR £0 £0
2 Year Fixed Offset - Limited Edition 65% 2.39% 3.69% 3.7% APR £1,500 £0
2 Year Fixed Offset - Standard 75% 3.29% 3.69% 3.7% APR £500 £0
2 Year Fixed Offset - Fee Saver 75% 3.69% 3.69% 3.7% APR £0 £0
2 Year Fixed Offset - Standard 65% 3.09% 3.69% 3.7% APR £100 £0
2 Year Fixed Offset - Standard 75% 3.29% 3.69% 3.7% APR £100 £0
3 Year Fixed Offset - Standard 65% 3.39% 3.69% 3.7% APR £500 £0
3 Year Fixed Offset - Fee Saver 65% 3.79% 3.69% 3.8% APR £0 £0
3 Year Fixed Offset - Standard 75% 3.69% 3.69% 3.8% APR £500 £0
3 Year Fixed Offset - Fee Saver 75% 4.09% 3.69% 3.8% APR £0 £0
3 Year Fixed Offset - Standard 65% 3.39% 3.69% 3.7% APR £100 £0
3 Year Fixed Offset - Standard 75% 3.69% 3.69% 3.8% APR £100 £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.


Offset Mortgages - Tracker
Overall
cost for
comparison Sort upwards Sort downwards Help
Arrangement
Fee Sort upwards Sort downwards Help
2 Year Tracker Offset - Standard 65% 2.49% 3.69% 3.6% APR £0 £500
2 Year Tracker Offset - Fee Saver 65% 2.89% 3.69% 3.6% APR £0 £0
2 Year Tracker Offset - Standard 75% 2.69% 3.69% 3.7% APR £0 £500
2 Year Tracker Offset - Fee Saver 75% 3.09% 3.69% 3.7% APR £0 £0
2 Year Tracker Offset - Standard 65% 2.49% 3.69% 3.6% APR £0 £100
2 Year Tracker Offset - Standard 75% 2.69% 3.69% 3.6% APR £0 £100
Base Rate Tracker Offset - Standard 65% 2.79% 0% 2.9% APR £0 £500
Base Rate Tracker Offset - Fee Saver 65% 3.19% 0% 3.2% APR £0 £0
Base Rate Tracker Offset - Standard 75% 2.99% 0% 3.1% APR £0 £500
Base Rate Tracker Offset - Fee Saver 75% 3.39% 0% 3.4% APR £0 £0
Base Rate Tracker Offset - Standard 65% 2.79% 0% 2.8% APR £0 £100
Base Rate Tracker Offset - Standard 75% 2.99% 0% 3.0% APR £0 £100

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.


Offset Mortgages - Standard Variable Rate
Overall
cost for
comparison Sort upwards Sort downwards Help
Arrangement
Fee Sort upwards Sort downwards Help
Standard Variable Rate Offset - Standard 75% 3.69% 3.69% 3.8% APR £0 £500

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?

Contact us

If you're new to first direct

0800 48 24 48


first direct account holders

08 456 100 103




Can't find what you're looking for?

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