Home Mortgages Mortgage calculators & tools

Mortgage calculators & tools

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.

Find the mortgage for you

Interest rate change calculator

A handy tool to see how interest rate changes are likely to affect what your monthly payments are.

Use our interest rate change calculator

Offset Mortgage calculator

Offset Mortgages are only available to existing Offset Mortgage customers.

Try our Offset Mortgage calculator

Overpayment calculator

With first direct you can make unlimited overpayments. Regular overpayments will mean you pay less interest overall, and pay off your mortgage quicker – find out how much with our overpayments calculator.

See our overpayments calculator

Jargon buster

There’s a lot of jargon around mortgages – this guide should help.

See our jargon buster

Find the mortgage for you

Our different types of rates

Should you go for a tracker or a fixed rate? What's the difference?

Guide for buyers

We’ve got useful information for every kind of homebuyer – from first timers to old pros.

Read our mortgage guides