Our mortgage calculators and tools
We’re here to help you make the best possible mortgage decision, with our easy-to-use calculators, tools and guides.
Mortgage calculators
No need to do sums on a napkin, our mortgage calculators will give you an idea of how much you can borrow and what your repayments might look like.
How much can you borrow calculator
See how much you could borrow, based on how much you earn and if you’re buying alone or with someone else.
Interest rate change calculator
This handy calculator shows you how interest rate changes are likely to affect your monthly repayments.
Overpayments calculator
With first direct you can make unlimited overpayments. Regular overpayments will mean you pay less overall, and pay off your mortgage quicker – find out how much with our overpayments calculator.
Offset Mortgage calculator
Our Offset Mortgage considers other money you have with us when working out your interest payments and is only available to existing Offset Mortgage customers.
Mortgage tools
Our mortgage tools are designed to keep you in the know, whether that’s technical terms you’ll come across or where you are on your journey.
Find a mortgage for you
Whether you’re a first-timer or remortgager, we can help find the right mortgage for you. See how much you could borrow, plus potential rates and more.
First time buyer journey
If you’ve recently applied for your first mortgage, you can see where you are on the journey and what happens next.
Jargon buster
We want to make mortgages simpler and easier to understand with our handy, jargon-busting A-Z.
Mortgage guides
Wherever you are on the property ladder, we’ve got guides to help answer your questions and jog your memory on all things mortgages.
First time buyers
Buying your first home is exciting and we're here to help make it happen, with terms up to 40 years, deposit tips, and more.
Improve your credit score
Your credit score is an important figure in the mortgage application process, so it’s a good idea to check if it needs improving.
Existing customers
Whatever you need, we’re here to help with your mortgage day or night, on our App or over the phone.
Our remortgaging guide
It may have been a little while since you took out your mortgage, so here's a refresher of what to expect when you come to remortgage.