First Direct Mortgages

Full product details for the First Direct Mortgages, including application criteria, suitability, restrictions, incentives, facilities, fees & charges and rates.personal broadband investing
 First Direct CompareCompare First Direct mortgages details against other mortgages or use our mortgages comparison tables.

Did you know First Direct also provide credit cards, loans, savings, current accounts, home insurance, car insurance and travel insurance?

Company:First Direct
www.firstdirect.com
First Direct 3yr 4.29% Fixed Offset LTV 75% Direct
First Direct
www.firstdirect.com
First Direct 3yr 4.49% Fixed Offset LTV 75% Direct
First Direct
www.firstdirect.com
First Direct Term BBR + 2.48% Capped Offset LTV 75% Direct
Product:3yr 4.29% Fixed Offset LTV 75% Direct3yr 4.49% Fixed Offset LTV 75% DirectTerm BBR + 2.48% Capped Offset LTV 75% Direct
 detailsdetailsdetails
Proceed via this site:ProceedProceedProceed
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Application Criteria 
Max LTV House Purchase:75%75%75%
Max LTV Remortgage:75%75%75%
Max LTV - FTB:75%75%75%
Minimum LTV:0%0%0%
Max Loan:£0£0£0
Min Term:2 years2 years2 years
Max Term:40 years40 years47 years
Remortgage - Min Loan:£30,000£30,000£30,000
House Purchase - Min Loan:£30,000£30,000£30,000
FTB - Min Loan:£30,000£30,000£30,000
Suitability 
Remortgage:yesyesyes
FTB:yesyesyes
Self Cert Available:nonono
Self Employed:yesyesyes
RTBs:n/an/ano
Shared ownership:nonono
Homemover:yesyesyes
Ex/B Moving:yesyesyes
Ex/B Not Moving:yesyesno
Type - Repayment:yesyesyes
Type - Endowment:yesyesyes
Type - Pension:yesyesyes
Type - ISA:yesyesyes
Type - Interest Only:yesyesyes
Restrictions 
Restricted Availability:yesyesyes
Contents Required:nonono
Buildings Required:nonono
Must have Current Account:yesn/an/a
Must pay Salary to Offset:non/an/a
ASU Required:nonono
Interest Rate Loading:£0£0£0
Location Availability:E,W,S & NIE,W,S & NIE,W,S & NI
Incentives 
Incentives - Set Up Fees:nonono
Incentives - Free Val:nonono
Incentives - Buildings:nonono
Incentives - Contents:nonono
Incentives - Legal Fees:yesyesyes
Incentives - Free ASU:0nono
Incentives - HLC:yesyesyes
Incentives - Part ERC:yesyesyes
Incentives - Other:nonono
Loyalty Discount:nonono
Facilities 
Product Portable:yesyesyes
Statement Frequency:monthlyn/an/a
Flexible Option:yesyesyes
Overpayments Available:yesyesyes
Underpayment Available:yesyesyes
Payment Holiday:yesyesyes
Borrow Back:yesyesyes
Current Account/Offset:offsetoffsetoffset
Current Account Facility:yesn/an/a
Savings Account Facility:yesn/an/a
Offset Third Party Saving:yesn/an/a
Max in Savings Account:100%n/an/a
Credit Card Facility:non/an/a
Unsecured Loan Facility:yesn/an/a
ISA Facility:non/an/a
Max No of Linked Accounts:16n/an/a
Debit Card Facility:yesn/an/a
Overdraft Facility:yesn/an/a
Drawdown Facility:yesyesyes
Cheque Book Facility:yesnoyes
Minimum Drawdown £:£30,000n/an/a
Maximum Drawdown £:Unlimitedn/an/a
Drawdown Time Restriction:6 monthsn/an/a
Fees & Charges 
Application Fee Payable £:variesvaries£1,499
Application Fees Added:yesnoyes
Valuation Fee:111
ERC Calculation:3/2/2%3/2/2%n/a
Review Facility Charge:£0n/an/a
Drawdown Charge £:£0n/an/a
Rates 
Capped Rate:n/an/a£4.99
Initial Rate Payable:4.29%4.49%2.98%
Variable rate date:n/an/aterm
Final Rate Payable:3.69%3.69%2.98%
Final Rate Type:vrvrn/a
Rate Guarantee:nonono
Gross or Net Repayment:netn/an/a
Interest Rest Period:dailydailydaily

Compare First Direct Mortgages

CompareMortgage Type Initial Rate Final
Rate
APR Max LTV 
Payable Date/Term
Provider Results
First DirectFirst Direct Term BBR + 2.48% Capped Offset LTV 75% Direct Proceed
Standard2.98%term2.98%3.2%75%
First DirectFirst Direct Term BBR + 2.48% Capped Offset LTV 75% Direct Proceed
Offset2.98%term2.98%3.2%75%
First DirectFirst Direct Term BBR + 2.59% LTV 80% Direct Proceed
Standard3.09%term3.09%3.2%80%
First DirectFirst Direct 2yr 3.49% Fixed Offset LTV 75% Direct Proceed
Fixed Rate3.49%24 months3.69%3.9%75%
First DirectFirst Direct 2yr 3.49% Fixed Offset LTV 75% Direct Proceed
Offset3.49%24 months3.69%3.9%75%
First DirectFirst Direct Offset Standard Variable Rate LTV 75% Direct Proceed
Standard3.69%term3.69%3.8%75%
First DirectFirst Direct Offset Standard Variable Rate LTV 75% Direct Proceed
Offset3.69%term3.69%3.8%75%
First DirectFirst Direct 2yr 3.99% Fixed Offset LTV 75% Direct Proceed
Fixed Rate3.99%24 months3.69%3.8%75%
First DirectFirst Direct 2yr 3.99% Fixed Offset LTV 75% Direct Proceed
Offset3.99%24 months3.69%3.8%75%
First DirectFirst Direct 3yr 4.29% Fixed Offset LTV 75% Direct Proceed
Fixed Rate4.29%36 months3.69%4%75%
First DirectFirst Direct 3yr 4.29% Fixed Offset LTV 75% Direct Proceed
Offset4.29%36 months3.69%4%75%
First DirectFirst Direct 3yr 4.49% Fixed Offset LTV 75% Direct Proceed
Fixed Rate4.49%36 months3.69%4%75%
First DirectFirst Direct 3yr 4.49% Fixed Offset LTV 75% Direct Proceed
Offset4.49%36 months3.69%4%75%
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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