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First Direct

First Direct has mortgages for first time buyers, new customers re-mortgaging or moving home, and existing customers looking for a better deal or trying to pay for home improvements.

Compare mortgages

Reason for mortgage
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years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed until 30/09/2018
Initial rate
1.24%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.3%APRC
Monthly cost
£620.54 for 24 months then £801.45 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,799 includes: Loan amount (£160,000); Interest (£76,092); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
1.29%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.3%APRC
Monthly cost
£624.23 for 24 months then £801.81 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,987 includes: Loan amount (£160,000); Interest (£76,280); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
1.48%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.4%APRC
Monthly cost
£638.40 for 24 months then £803.16 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,701 includes: Loan amount (£160,000); Interest (£76,994); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
1.64%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.4%APRC
Monthly cost
£650.48 for 24 months then £804.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,301 includes: Loan amount (£160,000); Interest (£77,594); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
1.74%then 3.69% (variable)
Fees
£257fees
Overall cost
3.4%APRC
Monthly cost
£658.10 for 24 months then £804.98 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,226 includes: Loan amount (£160,000); Interest (£77,969); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
1.89%then 3.69% (variable)
Fees
£257fees
Overall cost
3.4%APRC
Monthly cost
£669.63 for 24 months then £806.01 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,788 includes: Loan amount (£160,000); Interest (£78,531); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
1.95%then 3.69% (variable)
Fees
£257fees
Overall cost
3.5%APRC
Monthly cost
£674.28 for 24 months then £806.42 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,013 includes: Loan amount (£160,000); Interest (£78,756); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
1.99%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.1%APRC
Monthly cost
£677.39 for 60 months then £790.45 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £232,059 includes: Loan amount (£160,000); Interest (£70,352); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
2.08%then 3.69% (variable)
Fees
£257fees
Overall cost
3.1%APRC
Monthly cost
£684.42 for 60 months then £791.96 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £231,393 includes: Loan amount (£160,000); Interest (£71,136); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
2.09%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.1%APRC
Monthly cost
£685.20 for 60 months then £792.13 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £232,930 includes: Loan amount (£160,000); Interest (£71,223); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
2.14%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.5%APRC
Monthly cost
£689.13 for 24 months then £807.71 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £241,173 includes: Loan amount (£160,000); Interest (£79,466); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
2.18%then 3.69% (variable)
Fees
£257fees
Overall cost
3.2%APRC
Monthly cost
£692.28 for 60 months then £793.63 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £232,264 includes: Loan amount (£160,000); Interest (£72,007); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker
Initial rate
2.24% (variable)
Fees
£257fees
Overall cost
2.3%APRC
Monthly cost
£697.02 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £209,362 includes: Loan amount (£160,000); Interest (£49,105); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
2.29%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.2%APRC
Monthly cost
£700.98 for 60 months then £795.45 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £234,673 includes: Loan amount (£160,000); Interest (£72,966); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
2.29%then 3.69% (variable)
Fees
£257fees
Overall cost
3.5%APRC
Monthly cost
£700.98 for 24 months then £808.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,283 includes: Loan amount (£160,000); Interest (£80,026); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
2.38%then 3.69% (variable)
Fees
£257fees
Overall cost
3.2%APRC
Monthly cost
£708.16 for 60 months then £796.92 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £234,008 includes: Loan amount (£160,000); Interest (£73,751); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2021
Initial rate
2.63%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.3%APRC
Monthly cost
£728.31 for 60 months then £800.98 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,641 includes: Loan amount (£160,000); Interest (£75,934); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker
Initial rate
2.64% (variable)
Fees
£257fees
Overall cost
2.7%APRC
Monthly cost
£729.12 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £218,993 includes: Loan amount (£160,000); Interest (£58,736); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker
Initial rate
2.74% (variable)
Fees
£257fees
Overall cost
2.8%APRC
Monthly cost
£737.28 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £221,441 includes: Loan amount (£160,000); Interest (£61,184); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/09/2018
Initial rate
2.79%then 3.69% (variable)
Fees
£257fees
Overall cost
3.6%APRC
Monthly cost
£741.38 for 24 months then £811.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £242,145 includes: Loan amount (£160,000); Interest (£81,888); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About First Direct

First Direct is a division of HSBC. It was formed in 1989 by Midland Bank, but became part of HSBC when HSBC acquired Midland Bank in 1992. The bank’s biggest selling point in the early days was their non-traditional approach and within two years they had more than a quarter of a million customers on their books.

Unlike HSBC, First Direct doesn’t have any branches, so customers have to use the internet or the bank’s telephone banking service to administer existing products or apply for new ones. The bank has two call centres: one in England and one in Scotland.

There are First Direct mortgages for first time buyers, new customers re-mortgaging or moving home, and existing customers looking for a better deal or wishing to borrow extra funds to pay for home improvements or maintenance.

First Direct offers two types of mortgage: offset and repayment. Repayment monthly payments cover the interest and capital, so the mortgage is repaid in full at the end of the term. An offset mortgage is an interest only vehicle linked to a savings or current account. Monthly repayments cover the interest on the difference between the two. This type of First Direct mortgage is suitable for customers with savings to offset the interest payable on their mortgage.

Customers can choose between fixed rate repayment and tracker mortgages from First Direct.

There are two ways to apply for a First Direct mortgage. The first is to call the First Direct call centre and the second is to make an online application. Customers speaking to a mortgage advisor will receive extra advice on their mortgage, whereas online applicants will not.

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