Mortgages

Mortgages aren’t one-size-fits-all, which is why we offer a range of rates and terms to suit all shapes and sizes.

What would you like to do today?

Ready to make a move?

Find a mortgage for you

Find out how much you could borrow

Use our mortgage calculator

Need more information about mortgages?

Mortgage guides and tools

Manage my existing mortgage

Support for existing customers

Then you've come to the right place. first direct has been named a Which? Recommended Mortgage Provider for 2024.

Explore our range of mortgages or use one of our calculators to see what products you could be eligible for, how much you could borrow, and what your monthly payments might look like.

Don’t forget you won’t find our mortgage deals through a broker, so come to us direct

get an Agreement in Principle (AiP) valid for 6 months
we offer 5% deposit mortgages for first time buyers
terms up to 40 years
borrow up to 4.75x your income (see how much you could borrow)
we cover the cost of standard valuations
no booking fees on some mortgages
reduce your overall interest with unlimited overpayments*

*you can make unlimited overpayments towards your borrowing - but you might have an Early Repayment Charge if you repay your whole mortgage during the fixed rate period. This might not be a consideration right now, but unlimited overpayments mean you could reduce the overall interest you pay in the future.

We believe applying for a mortgage should be simple. That’s why we’ve broken it down into 5 easy steps:

Need more information?

We’ve pulled together some further reading that might help you on your mortgage journey.

Are you in the market for a new mortgage? Do you have a question about your recent application? Or perhaps you’re ready to pay off your mortgage? Whatever your query, we can help you find the right team who can answer it.

Mortgages

What would you like to do today?

Ready to make a move?

Find out how much you could borrow

Need more information about mortgages?

Manage my existing mortgage

Looking for a new mortgage?

Why get a mortgage with us?

Mortgages made easy

Need more information?

Choosing the right mortgage

Choosing the right house

Money management and tips

Already have a mortgage?

Get in touch

Legal bits