Mortgages
Looking for a new mortgage? If you're just browsing you're in the right place. If you're ready to apply tap 'Apply for a mortgage' to get started.
Everything you need to get started
What type of rates do we offer?
Our Repayment Mortgage is available on fixed or tracker rates.
With a first direct mortgage you can make unlimited overpayments regardless of the rate you apply for.*
*Fixed rates might have an early repayment charge if you repay the whole mortgage off during a fixed period.
Looking for a quote?
Select 'Get a quote' then when you get to the next page choose the first option "Let's get you moving" and follow the journey.
Wanting to know how much you can borrow?
Our 'How much can I borrow' tool is a great first step. It gives you a quick estimate based on salary multiples. You can borrow up to 4.75 times your income (5.5 times if you’re buying your first home).
Or if you're looking for an Agreement in Principle (AIP) give us a call on 03456 100 103.
Ready to apply?
If you've had an offer accepted on a property, or you're looking to switch your current deal, you can move forward with a full mortgage application.
If you already have a mortgage with us and are looking to make a change e.g. move home or change rate, give us a call.
Mortgage options for every stage
First time buyer
To be a first-time buyer you must have never owned a home before - in the UK or abroad. If you’re applying with someone else, you must both be first-time buyers.
We offer 5% deposit mortgages for first time buyers. Here’s what you need to know about applying for a mortgage.
Moving house
Searching for your next home? Find out more about that next step.
Or, if you already have a mortgage with us, then give us a call to discuss your options.
Remortgaging with first direct
Coming to the end of your current mortgage or simply want to find a better deal? Find out why you should remortgage with us.
Existing first direct mortgage customers
If you already have a mortgage with us, then step this way…
Already applied for a mortgage with us and need help?
I'm a first direct customer
If you have a 1st Account with us and have already applied for a mortgage, give us a call on 03 456 100 173.
We’re available 8am-8pm Monday to Friday, 8am-6pm Saturday, and 9am-6pm Sunday.
I'm not a first direct customer
If you’re new to first direct and have already applied for a mortgage, call our helpline for new customers on 0800 48 24 48.
We’re available 8am-8pm Monday to Friday, 8am-6pm Saturday, and 9am-6pm Sunday.
Useful information
Useful tools and calculators
- overpayment calculator
- Offset Mortgage calculator*
- interest rate change calculator
- how much can I borrow?
*We no longer offer Offset Mortgages. But if you already have one you may still be able to make certain changes to it by giving us a call.
Get in touch
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 to answer it.