First Direct Mortgages
Full product details for the First Direct Mortgages, including application criteria, suitability, restrictions, incentives, facilities, fees & charges and rates.
 |  Compare 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 www.firstdirect.com | First Direct www.firstdirect.com |
| Product: | 3yr 4.29% Fixed Offset LTV 75% Direct | 3yr 4.49% Fixed Offset LTV 75% Direct | Term BBR + 2.48% Capped Offset LTV 75% Direct |
| details | details | details | |
| Proceed via this site: |  | | |
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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 years | 2 years | 2 years |
| Max Term: | 40 years | 40 years | 47 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: |  | | |
| FTB: | | | |
| Self Cert Available: |  | | |
| Self Employed: | | | |
| RTBs: | n/a | n/a | |
| Shared ownership: | | | |
| Homemover: | | | |
| Ex/B Moving: | | | |
| Ex/B Not Moving: | | | |
| Type - Repayment: | | | |
| Type - Endowment: | | | |
| Type - Pension: | | | |
| Type - ISA: | | | |
| Type - Interest Only: | | | |
| Restrictions | |||
| Restricted Availability: | | | |
| Contents Required: | | | |
| Buildings Required: | | | |
| Must have Current Account: | | n/a | n/a |
| Must pay Salary to Offset: | | n/a | n/a |
| ASU Required: | | | |
| Interest Rate Loading: | £0 | £0 | £0 |
| Location Availability: | E,W,S & NI | E,W,S & NI | E,W,S & NI |
| Incentives | |||
| Incentives - Set Up Fees: | | | |
| Incentives - Free Val: | | | |
| Incentives - Buildings: | | | |
| Incentives - Contents: | | | |
| Incentives - Legal Fees: | | | |
| Incentives - Free ASU: | 0 | | |
| Incentives - HLC: | | | |
| Incentives - Part ERC: | | | |
| Incentives - Other: | | | |
| Loyalty Discount: | | | |
| Facilities | |||
| Product Portable: | | | |
| Statement Frequency: | monthly | n/a | n/a |
| Flexible Option: | | | |
| Overpayments Available: | | | |
| Underpayment Available: | | | |
| Payment Holiday: | | | |
| Borrow Back: | | | |
| Current Account/Offset: | offset | offset | offset |
| Current Account Facility: | | n/a | n/a |
| Savings Account Facility: | | n/a | n/a |
| Offset Third Party Saving: | | n/a | n/a |
| Max in Savings Account: | 100% | n/a | n/a |
| Credit Card Facility: | | n/a | n/a |
| Unsecured Loan Facility: | | n/a | n/a |
| ISA Facility: | | n/a | n/a |
| Max No of Linked Accounts: | 16 | n/a | n/a |
| Debit Card Facility: | | n/a | n/a |
| Overdraft Facility: | | n/a | n/a |
| Drawdown Facility: | | | |
| Cheque Book Facility: | | | |
| Minimum Drawdown £: | £30,000 | n/a | n/a |
| Maximum Drawdown £: | Unlimited | n/a | n/a |
| Drawdown Time Restriction: | 6 months | n/a | n/a |
| Fees & Charges | |||
| Application Fee Payable £: | varies | varies | £1,499 |
| Application Fees Added: | | | |
| Valuation Fee: | 1 | 1 | 1 |
| ERC Calculation: | 3/2/2% | 3/2/2% | n/a |
| Review Facility Charge: | £0 | n/a | n/a |
| Drawdown Charge £: | £0 | n/a | n/a |
| Rates | |||
| Capped Rate: | n/a | n/a | £4.99 |
| Initial Rate Payable: | 4.29% | 4.49% | 2.98% |
| Variable rate date: | n/a | n/a | term |
| Final Rate Payable: | 3.69% | 3.69% | 2.98% |
| Final Rate Type: | vr | vr | n/a |
| Rate Guarantee: | | | |
| Gross or Net Repayment: | net | n/a | n/a |
| Interest Rest Period: | daily | daily | daily |
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
