Manage your first direct mortgage
Change your mortgage
Borrow more
Planning home improvements, a once-in-a-lifetime holiday, or another big purchase? You may be able to borrow more by adding to your mortgage.
Select “Borrow more” to find out more about additional borrowing. or give us a call on 0800 470 8034
Lines are open Mon–Fri 8am–8pm, Sat 8am–6pm, Sun 9am–6pm.
Borrowing is subject to application status, lending criteria and valuation, and in some instances independent legal advice.
Moving home
Moving house? If you’re happy with your current rate, you may be able to transfer (port) it to your new property for the amount you have outstanding at the time.
Select “Moving home” to find out more or if you're ready to apply give us a call 03 456 100 103
Lines are open Mon–Fri 8am–8pm, Sat 8am–6pm, Sun 9am–6pm.
Make other changes
Need to make another change to your mortgage — like changing your term, removing a party, or paying off your mortgage?
Lines are open Mon–Fri 8am–8pm, Sat 8am–6pm, Sun 9am–6pm.
Manage your mortgage online with chat
Chat to a mortgage specialist in the app or Online Banking for help with mortgage servicing queries.
Here are some of the things they can help you with:
Interest rate queries
- check your current interest rate
- check how long is left on your current interest rate
- explain any fees including if you have any Early Repayment Charges (ERC's)
- discuss other rate options (without advice)
Payment and balance queries
- check your balance
- manage your payment dates
- manage your debiting account
- find out how to make an overpayment
- request a redemption statement (only if closing your mortgage)
- struggling to make a payment
Other queries
- query how long is left on your mortgage
- find out the original term of your mortgage
- request a mortgage statement
- discuss Bank of England base rate changes
How to access chat to manage your mortgage
Don't have our App yet? You can download it by visiting your app store and searching "first direct".
Chat mortage specialists are available Mon–Fri 8am–8pm, Sat 8am–6pm, Sun 9am–6pm.
All your chats are saved, so you can carry on with your day, coming and going as you like.
If you already have our App you can access chat by scanning the QR code below.
We're here to help
Mortgage charter
We've agreed to the government's Mortgage Charter, giving customers flexibility in difficult times, with options like interest-only payments for 6 months. Having a chat won’t affect your credit score – and the sooner you call the sooner we can help.
Worried about payments?
Our specialist team is always on hand to help mortgage customers who are facing financial difficulty, with lots of options available. Find out more below or call us on:
Support needs
We understand that everyone has different needs when it comes to banking – and that might change over time.
Whether it’s due to health, disability, a change in personal circumstance, or something else, we’re here to help.