In line with the government's Mortgage Charter, first direct can now offer more options to help mortgage customers through the cost of living crisis.

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Looking for a new mortgage?

Explore the range of mortgage types that match your needs or use our range of calculators to see what products you could be eligible for, how much you could borrow and what your monthly payments could look like.

Don’t forget you won’t find our mortgage deals through brokers, so come direct.

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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 different rate types. Whichever first direct mortgage you choose, we could help you feel right at home:

  • Get an agreement in principle (AiP) that is valid for six months
  • Award winning team available seven days a week
  • lower monthly payments with terms up to 40 years and flexibility to change this at any time*
  • You could pay off your mortgage sooner with unlimited overpayments**

* This could mean that you will pay more interest over the lifetime of the mortgage.

** An overpayment may be subject to an Early Repayment Charge if the mortgage account is repaid in full during the fixed rate period.

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


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

If you have: An ongoing mortgage application

03 456 100 173

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