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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One-day mortgage approval

Whether you’ve found your dream home or you’re still on the hunt, getting your mortgage approval in a day could put you ahead of the competition. So you could be in a great position when it’s time to make that offer.

Here’s how it works…

  1. Book a mortgage appointment with one of our specialist advisers, available 7 days a week

  2. Our mortgage team will confirm when your appointment will be and what documentation you’ll need to dig out

  3. You’ll receive a reminder prior to the appointment to make sure you’ve got everything ready

    Whether we can approve your mortgage and whether we can do so in a day will depend upon your individual needs and circumstances, as well as the complexity, timing, and features of your application. More complex cases may take longer

  4. Your dedicated mortgage advisor will call at the time of your appointment and take you through the mortgage application, discussing the documentation you’ve provided and talking through what you need from your mortgage to help you decide what you want and what’s affordable. The appointment will ultimately allow us to gather the information we need from you to let the approval process take place. And at the end of the day, your mortgage could have been approved.

How to apply

Contact Us

New to first direct
0800 48 24 48
Existing account holders
03 456 100 173

Existing mortgage holders

To switch your deal
03 456 100 236
Other mortgage enquiries
03 456 100 173

Find a mortgage for you

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

Find a mortgage

Things you need to know

Here are a few things you need to know before you book your mortgage approval in a day appointment:

  1. You need to be an existing first direct customer and over 18 years old.
  2. This service is only available by prior appointment with one of our mortgage specialists. Whether we can approve your mortgage and whether we can do so in a day will depend upon your individual needs and circumstances, as well as the complexity, timing, and features of your application. More complex cases may take longer, however our mortgage specialists can guide you through this during the appointment.
  3. If you have access to the internet, we might be able to check some of your documentation before your mortgage appointment; this could save additional time on the day.
  4. Our mortgage approvals team don’t work through the night so in some cases where your appointment is in the evening, you might not receive a response that same day. We will, however, come back to you as soon as possible with either an approval or an update.
  5. We’ll be able to consider you for your approval in a day if you’re self-employed too. Our mortgages team will let you know what additional documentation we’ll need from you to consider this when you book your mortgage appointment.
  6. Once you have your mortgage approval, the amount we lend will be subject to the valuation of the home your mortgage will be secured on.

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 Mon to Fri 8am to 10pm, Sat 8am to 8pm and Sun 9am to 8pm