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Mortgage calculator

Your home may be repossessed if you do not keep up your payments

Our mortgage calculator will give you an idea of how much you could borrow. It looks at how much you earn, if you're buying alone or with someone, and whether you’re buying your first home.

Enter your details in our mortgage calculator to get started.

How much can you borrow?

How much can you borrow?

Important information

These figures are a guide only. The actual amount we’ll lend you is based on our standard criteria, including loan to value limits and affordability checks when you apply.

Amount you can borrow £0

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:

  • Borrow up to 4.75 times your income (5.5 times if you’re buying your first home)
  • Get an agreement in principle (AiP) that's valid for 6 months
  • Award winning team available 7 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'll 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

Find a mortgage

Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.

Other handy tools

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Contact us today

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

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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 Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.

Existing first direct customers:

03 456 100 103

Mon to Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.

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

03 456 100 198

Mon to Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.

If you have: An ongoing mortgage application

03 456 100 173

Mon to Fri 8am to 8pm, Sat 8am to 6pm and Sun 9am to 6pm.