Mortgages

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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Tracker rate mortgages

We offer two types of mortgage: Repayment and Offset, and for each of these types of mortgage there are different types of interest rate.

With our tracker rate mortgage, the interest rate is set at an agreed percentage above the Bank of England base rate. The interest rate will therefore rise and fall in line with changes to the Bank of England base rate.

  • the interest rate you pay will be a variable rate which will be an agreed percentage above the Bank of England base rate. As the Bank of England base rate rises or falls, the interest rate you pay will track these changes, and so rise and fall accordingly which will affect your monthly payments
  • first direct offer various tracker periods. At the end of the tracker rate period, your mortgage rate will revert to our standard variable rate unless you switch to another interest rate
  • you are able to make unlimited over payments to your mortgage whenever you choose without any Early Repayment Charges.

Find a mortgage for you

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

Find a mortgage

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