We've been named the No.1 Which? Recommended Mortgage Provider

Based on customer satisfaction and expert mortgage analysis in October 2022

Best mortgage lenders – Which?

Following the recent announcement from the UK government, our FAQs on mortgages and interest rates might help you.

Find a mortgage for you

Find the mortgage for you

Important information

For our mortgage comparison tool, please select:
Remortgage – if you currently hold a mortgage with another lender and are looking to bring this to first direct.
First Time Buyer – if you have never been an owner of a residential property in the UK, or anywhere else in the world, and intend to occupy a property as your main residence. For joint applications, both customers must be first buyers to qualify for first time buyer products.
Home Mover – if you currently own your home, and have a mortgage either with first direct or another provider, and are looking to move and get a mortgage on your new home.
Existing Mortgage Customer – if you have your mortgage with first direct already and are looking to make changes to it, such as borrow more money, or look at a new rate.
Amend an Existing Application – if you have made an application online previously and need to make changes to it.

How much can you borrow?

How much can you borrow?

Amount you can borrow £0

Important information

The figures in this tool are to give you an idea and don’t necessarily mean we’ll be able to lend you that amount.

Why choose first direct for your mortgage?

The perfect mortgage looks different to everyone, that's why we offer a range of mortgage types and rates. Whichever first direct mortgage you choose, we could help you feel right at home:

  • mortgage advisers available 7 days a week
  • you could get an agreement in principle that lasts 6 months, sorted in a 30-minute phone call
  • fee-free valuation (Fee Saver mortgages available, too)
  • mortgage terms up to 40 years
  • if you already have a mortgage with us, you can take your first direct mortgage with you when you move house (known as porting)
  • view your mortgage balance on the first direct App
  • make unlimited overpayments on a first direct mortgage.

Our mortgage types and rates explained

What’s the difference between a Repayment Mortgage and an Offset Mortgage? Should you go for a Tracker or a Fixed Rate? Find out more about the sorts of mortgages we offer here.

About our mortgages and rate types

Mortgage guides

What happens when – and why…? Whether you’re a first time buyer, remortgaging your current house, moving to a new place or an existing customer, we’ve got a handy buyers’ guide for you.

See all our mortgage guides

Rates & fees

Because we know you’re looking for the best value you can, we’ve outlined the rates and fees for all of our mortgages here so you can quickly and easily compare.

Our mortgage rates and fees

How to apply

You can give us a call or apply online. Find out more about how to apply and our mortgage application process.

More about how to apply

Calculators

Get an idea of what we could offer and ways you may be able to pay it off quicker.

  • how much can you borrow?
  • find a mortgage for you
  • Offset Mortgage calculator
  • overpayment calculator.

See our calculators

Contact us today

If you want to: Find out more information about your existing mortgage rate

Chat with us

Log in > select 'Message us'

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

New to first direct

0800 48 24 48

Mon to Sat 8am - 8pm and Sun 9am - 8pm

Existing first direct customers:

03 456 100 103

Mon to Sat 8am - 8pm and Sun 9am - 8pm


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

03 456 100 198

Mon to Fri 8am - 9pm and Sat 8am - 5.30pm