Welcome to Mortgage Lender

There are over 100 mortgage lenders in the UK including First Direct. Mortgage Lender .co.uk will help you make the right choice.

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Mortgage Lender



First Direct

First Direct was launched in 1989 and relies on telephone and internet banking in two sites - Leeds and Hamilton, Scotland. It employs over 3,000 people and has 1.2 million customers. Approximately 750,000 of these customers use the internet.

First Direct mortgages are designed to be flexible, you can choose to stop and start the capital repayments as long as you cover the interest payments each month. You can even choose to overpay at any time, which could reduce the overall cost of your mortgage and reduce the mortgage term.

You can apply for interest only or repayment mortgages. With an interest only mortgage you will make lower monthly payments but you only be paying for the mortgage amount and not the interest that has accrued. You remain responsible for ensuring that you can repay your mortgage on or before the age of 65.


First Direct Mortgage Products

Repayment mortgages: These products will allow you to overpay during the mortgage term without incurring any fees although if you repay the whole amount then early repayment charges may apply. You may be able to borrow up to 85% of the property value.

Offset mortgages: These products may have tax benefits for both new and existing customers, they can also mean that you pay less interest and could possibly reduce the length of your mortgage term.

If you are interested in a mortgage quotation including those offered by First Direct please complete our quick enquiry form.

First Direct Mortgage Rates

Mortgage Type Initial Rate Subsequent Rate APR Max LTV Fees & Charges Enquire Now
2yr Fixed Rate 4.99% Fixed 3.69% Variable 4.0% 85% £99 Booking Fee
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5yr Fixed Rate 4.19% Fixed 3.69% Variable 4.0% 65% £99 Booking Fee
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Standard Variable Rate 3.69% Variable 3.69% Variable 3.8% 75% £99 Booking Fee
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Speak to a professional about a First Direct Mortgage