Remortgaging with first direct

Move your mortgage to us and borrow up to 90% LTV.

Zero booking fee options available.
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What is remortgaging?

A remortgage is when you move your existing mortgage from one lender to another. This can include moving your mortgage on the same terms, such as keeping the same loan amount and the same mortgage term.

 

If your circumstances have changed and you’d like to borrow more or adjust your mortgage term as part of your remortgage, we can support you with that as well.

Why remortgage with us?

Could save you money

Interest rates change regularly, which means it might be a good time to review the rate on your current deal.

If new rates are lower, this could lower your mortgage repayments and potentially save you some cash each month. 
View our mortgage rates

Unlimited overpayments

You can make unlimited overpayments to your mortgage, even on a Fixed Rate!* 

We even have an overpayment calculator to help you see what you could save.

*You might have an Early Repayment Charge if you repay your whole mortgage during the fixed rate period. 
Find out more about overpayments

Range of mortgage options

We've got a variety of products to choose from, including:

Fixed Rate Mortgages - so you can lock in, knowing your repayments aren't going to change for a certain period of time.

Tracker Rate Mortgages - where your rate changes when the Bank of England Base Rate changes.
Explore options

How to apply for a remortgage with first direct?

Find out how much you can borrow

Borrow up to 4.75 times your income.

Use our mortgage calculator to get an idea of how much you could borrow, based on the number of applicants and your salary.
How much can I borrow?

View our mortgage rates and fees

You can filter our rates based on your circumstances to see the different options available to you.
View our mortgage rates

Apply for your mortgage

There are two ways you can apply for a first direct mortgage - either online or by giving us a call.

If you're looking to borrow more than your current mortgage balance you can only apply over the phone
Apply for a mortgage

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

Remortgaging FAQs

You might also like

Wherever you are on the property ladder, we’ve got guides to help answer your questions and jog your memory on all things mortgages.

Interest rate change calculator

A handy tool to see how interest rate changes are likely to affect what your monthly payments are.
Use our interest rate change calculator

Existing customers

Whatever you need, we’re here to help with your mortgage day or night, on our App or over the phone.
Existing mortgage customers

Mortgage hub

Want to find out more about our mortgages?
Mortgages