This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

First Direct is a telephone and internet-based retail bank which is a division of HSBC. They provide mortgages for first time buyers and current homeowners. They do not currently offer buy to let mortgages.

This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Jul-2020 From Royal Bank Of Scotland
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Tracker Jul-2020 From Royal Bank Of Scotland
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

See the next 10 mortgages

Request Mortgage Quote

Mortgage Quotes & Advice

Our independent mortgage service provides:

  • FREE initial mortgage consultation
  • Access to exclusive mortgage deals not available on the high street
  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

"Our mortgage team is committed to providing you with an excellent mortgage service". Adam Arnott, Head of Mortgages & Protection.

Mortgage details

Initial rate:
Initial rate period:
Overall cost for comparison:
Maximum loan to value:
Product fee:

To find out more, call on

Website:
Lines are open:
Mon: 8am - 8pm
Tue: 8am - 8pm
Wed: 8am - 8pm
Thu: 8am - 8pm
Fri: 8am - 8pm
Sat: 9am - 4pm
Sun: Closed
Calls may be recorded

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

Compare First Direct mortgages

Which type of mortgage you apply for will depend on your borrowing needs and personal financial circumstances. Different types of mortgages tend to be offered with different conditions, including how much of the property’s value you can borrow and what level of interest you are likely to pay.

First Time Buyer mortgages

You may be able to borrow up to 90% of your property’s value with a First Direct mortgage, which can make buying a first home more affordable for people struggling to get together a deposit. Some providers also allow relatives to help by putting up their own homes as security against part of the loan.

Remortgaging with First Direct

Switching your mortgage can save you money or help you unlock more equity from your home. If you think you can get a better deal from First Direct than you have on your existing mortgage, you may be able to reduce your monthly payments. You may also be able to borrow more, allowing you to pay off your current mortgage and end up with a lump sum left over.

Second charge mortgages

If you already have a good deal on your mortgage, you may not want to remortgage to unlock extra funds for home improvements or other purposes. Instead, you may want to consider taking out a separate secured loan in addition to your existing mortgage, allowing you to release extra equity without changing mortgage providers. This type of separate secured loan is often called a second charge mortgage.

Loan to value ratio

Loan to value (LTV) ratio is one of the most important criteria that lenders use when assessing how much you can afford to borrow. It is based on a calculation of the amount you want to borrow versus the market value of the property you wish to borrow against.

So, if you want to take out a £50,000 mortgage on a house with a market value of £100,000, you would have an LTV of 50%. If you subsequently wanted to take out an additional secured loan for a further £25,000, your LTV would increase to 75% as both new and existing debt are factored in.

In general, mortgage providers will be inclined to offer more attractive interest rates on properties with a lower LTV.

Find the best deals on mortgage rates

Our mortgage calculator can make it much faster and simpler to find the best value deals from across the mortgage industry. It matches your specific requirements with our pick of the top offers from various providers, taking most of the hard work out of the equation.

To use the mortgage calculator, simply head to the top of the page and enter some basic information, including the amount you wish to borrow, how long you want to repay over and your reason for borrowing. The calculator will then show you the best deals that match your query.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

Newletter signup

Sign up to our Newsletter to get exclusive news and offers direct to your inbox.

Let's get social now! Twitter Facebook

About us

mortages.direct is a trading style of Fair Investment Company.

We've been comparing and recommending mortgage deals for many years so you can trust you're in good hands.