mortgages

Sorry, owing to unprecedented demand, we have decided to temporarily withdraw offering our mortgages to non customers. We will be back offering great rates to everyone as soon as possible. We will continue to progress all existing mortgage requests from new customers.

2 year fixed rate offset Mortgage

5.29% for 2 years, reverting to our standard variable rate for the remaining term, currently 6.0%.

The overall cost for comparison is 6.2% APR.

(offset Mortgage arrangement fee £999 / fixed offset Mortgage booking fee of £499, maximum loan size £300,000)

2 year fixed rate offset Mortgage

5.79% for 2 years, reverting to our standard variable rate for the remaining term, currently 6.0%.

The overall cost for comparison is 6.1% APR.

(no arrangement fee / fixed offset Mortgage booking fee of £99)

5 year fixed rate offset Mortgage

5.39% for 5 years, reverting to our standard variable rate for the remaining term, currently 6.0%.

The overall cost for comparison is 6.0% APR.

(arrangement fee £399 / fixed offset Mortgage booking fee of £399)

10 year fixed rate offset Mortgage

5.49% for 10 years, reverting to our standard variable rate for the remaining term, currently 6.0%.

The overall cost for comparison is 5.9% APR.

(arrangement fee £299 / fixed offset Mortgage booking fee of £299)

You should keep in mind that if rates fall, you could pay more for your mortgage during the fixed rate period than you would on a variable rate mortgage. With all our fixed rate mortgages, if you repay your mortgage during the fixed rate period, you will be charged an early repayment charge.

The amount of any early repayment charge will be displayed on both your Key Facts Illustration and Mortgage Offer, which you will receive should you decide to progress with a mortgage application.

For more details and to book a fixed rate, please call us on 08 456 100 103 if you are already a first direct customer or 0800 48 24 48 if you are new to first direct.

You can find out more about offsetting here 

Fixed rate funding is limited and rates can be withdrawn at any time without notice.

first direct life tracker mortgage - less than £200,000

Tracks the base rate plus 0.49% for the life of the mortgage, currently 5.49%.

The overall cost for comparison is 5.7% APR.

(life tracker mortgage arrangement fee £399)

first direct life tracker mortgage - more than £200,000

Tracks the base rate plus 0.34% for the life of the mortgage, currently 5.34%.

The overall cost for comparison is 5.5% APR.

(life tracker mortgage arrangement fee £399)

The life tracker mortgage tracks Bank of England Base Rate for the duration of the loan, and therefore your monthly payments will go up or down in line with changes to the Bank of England Base Rate.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.