Home Mortgages Mortgage rates and fees Our Mortgage rates

Our Mortgage rates

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

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 You should bear in mind that mortgages can be withdrawn and interest rates can change at any time.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.

For our mortgage comparison tool, please select:
Existing Mortgage Customer – If you have your mortgage with first direct already and are looking to make changes to it, such as borrow more money, or look at a new rate.
Remortgage – If you currently hold a mortgage with another lender and are looking to bring this to first direct.
First Time Buyer – If you have never been an owner of a residential property in the UK, or anywhere else in the world, and intend to occupy a property as your main residence. For joint applications, both customers must be first buyers to qualify for first time buyer products.
Home Mover – If you currently own your home and have a mortgage either with first direct or another provider, or you are looking to move and get a mortgage on your new home. You should also select this option if you don't currently own a property but have done previously.

Find a rate

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.

Useful documents

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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 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.