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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 might be able to borrow. Simply put, our mortgage calculator takes into consideration how much you earn and whether you're buying on your own or with someone else.

Enter your details in our mortgage calculator to get started.

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

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.

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Contact us today

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

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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.