You are in section Home Mortgages Mortgage rates and fees Our Mortgage rates
Our Mortgage rates
Here’s a list of all the mortgages we currently offer – and their different rates. You should bear in mind that mortgages can be withdrawn and interest rates can change at any time. You can see which ones are available for you with our 'Find the mortgage for you' tool.
Repayment Mortgages - Fixed
| Mortgage |
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. |
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
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Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
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Booking fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
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Arrangement fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
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|---|---|---|---|---|---|---|
| 2 Year Fixed Repayment - Fee Saver |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.59%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Repayment - Fee Saver |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.89%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Repayment - Fee Saver |
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.29%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 5 Year Fixed Repayment - Fee Saver |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.74%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.7% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 5 Year Fixed Repayment - Fee Saver |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.99%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.8% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 5 Year Fixed Repayment - Fee Saver |
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.49%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.1% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Repayment - Standard |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.39%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Repayment - Standard |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.69%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Repayment - Standard |
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.99%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 5 Year Fixed Repayment - Standard |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.59%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.7% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 5 Year Fixed Repayment - Standard |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
1.84%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.8% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 5 Year Fixed Repayment - Standard |
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.29%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.0% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
Repayment Mortgages - Tracker
| Mortgage |
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. |
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
Booking fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
Arrangement fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
|---|---|---|---|---|---|---|
| Life Tracker Repayment - Fee Saver |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.24%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Life Tracker Repayment - Fee Saver |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.24%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.3% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Life Tracker Repayment - Fee Saver |
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.59%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.6% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Life Tracker Repayment - Standard |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.09%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£490
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Life Tracker Repayment - Standard |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.09%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.2% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£490
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Life Tracker Repayment - Standard |
80%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
2.44%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
2.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£490
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
Offset Mortgages - Fixed
| Mortgage |
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. |
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
Booking fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
Arrangement fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
|---|---|---|---|---|---|---|
| 2 Year Fixed Offset - Fee Saver |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.39%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.6% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Offset - Fee Saver |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.39%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.6% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Offset - Standard |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.19%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.6% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| 2 Year Fixed Offset - Standard |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.19%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
3.54%
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.6% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£490
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
Offset Mortgages - Tracker
| Mortgage |
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. |
Interest rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
Booking fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
Arrangement fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
|---|---|---|---|---|---|---|
| Base Rate Tracker Offset - Fee Saver |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.49%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Base Rate Tracker Offset - Fee Saver |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.49%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.5% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£0
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Base Rate Tracker Offset - Standard |
60%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.29%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£490
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
| Base Rate Tracker Offset - Standard |
75%
Max LTV
The LTV – or loan to value – is the percentage of the house price that the amount of money you’re borrowing represents. For example, if you borrow £80k against a £100k property, the LTV is 80%. This column shows the maximum LTV we allow on each mortgage. The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.
|
3.29%
Interest Rate
This is the rate at which we calculate the interest charged on this mortgage, shown as a percentage of the total borrowing.
|
-
Reverts to SVR
Some of our mortgages have a promotional rate for a fixed period of time, after which they revert to our Standard Variable Rate (SVR), which applies for the rest of the term. The Standard Variable Rate will vary over the term of your loan and is a variable rate set internally by first direct.
|
3.4% APRC
Overall cost for comparison
The Annual Percentage Rate of Charge (APRC) is the overall cost of the loan on an annual basis when fees and costs are taken into account as well as interest. This is the figure you should use when comparing mortgage products, and all lenders are required to show it.
|
£0
Booking Fee
A non refundable fee charged on some mortgages to secure a particular mortgage deal.
|
£490
Arrangement Fee
An Arrangement Fee is a fee which is payable when your mortgage is drawn down or you can choose to add this to your loan. If you choose to add it to your loan, this will increase your mortgage balance, the interest you pay and your monthly payment. The amount of the Arrangement Fee may vary depending on the product chosen.
|
| Full Details | ||||||
Find the mortgage for you
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Useful documents
Contact us
If you want to:
Move house, remortgage, discuss rates or borrow more
New to first direct
Existing first direct customers:
If you have:
Completion questions, payment changes, statement requests, or to pay off your mortgage
† Lines are open Mon to Fri 8am to 9pm, Sat 8am to 8pm and Sun 9am to 8pm.
†† Lines are open Mon to Fri 8am to 9pm and Sat 8am to 5.30pm.