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mortgages a range of mortgages nicely arranged first direct skip to content javascript is currently disabled on this computer device as such cookies for this site are currently disabled in order to have access to all the features of our fully optimised website please enable your javascript settings via your browser for a list of all the cookies we use and what they do please read our cookie policy navigation menu contact us online banking opens in a new window other services fdesign opens in an overlay home log on to online banking log on to online banking contact us 03 456 100 100 back banking skip to mortgages bank account 1st account joint account overdrafts switching to first direct payments and transfers standing orders and direct debits international payments ways to bank online banking our mobile app apple pay google pay samsung pay phone banking open banking banking help general bank account help card services forgotten your pin paying in cheques and cash statements balances 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living crisis looking for a new mortgage explore our range of mortgages or use one of our calculators to see what products you could be eligible for how much you could borrow and what your monthly payments might look like don t forget you won t find our mortgage deals through a broker so come to us direct get started how much can you borrow how much can you borrow important information these figures are a guide only the actual amount we ll lend you is based on our standard criteria including loan to value limits and affordability checks when you apply no of applicants 1 2 are you a first time buyer salary 1 salary 2 0 amount you can borrow 0 give us a call on 03456 100 103 find the mortgage for you why choose first direct for your mortgage the perfect mortgage looks different to everyone that s why we offer different rate types whichever first direct mortgage you choose we could help you feel right at home borrow up to 4 75 times your income 5 5 times if you re buying your first home get an agreement in principle aip that s valid for 6 months award winning team available 7 days a week lower monthly payments with terms up to 40 years and flexibility to change this at any time you could pay off your mortgage sooner with unlimited overpayments this could mean that you ll pay more interest over the lifetime of the mortgage an overpayment may be subject to an early repayment charge if the mortgage account is repaid in full during the fixed rate period think carefully before securing other debts against your home your home may be repossessed if you don t keep up repayments on your mortgage our mortgage types and rates explained what s the difference between a repayment mortgage and an offset mortgage should you go for a tracker or a fixed rate find out more about the sorts of mortgages we offer here about our mortgages and rate types mortgage guides what happens when and why whether you re a first time buyer remortgaging your current house moving to a new place or an existing customer we ve got a handy buyers guide for you see all our mortgage guides rates fees because we know you re looking for the best value you can we ve outlined the rates and fees for all of our mortgages here so you can quickly and easily compare our mortgage rates and fees how to apply you can give us a call or apply online find out more about how to apply and our mortgage application process more about how to apply calculators get an idea of what we could offer and ways you may be able to pay it off quicker how much can you borrow find a mortgage for you offset mortgage calculator overpayment calculator see our calculators useful documents information about our mortgages opens a new window first direct tariff of mortgage charges opens a new window tools you might like overpayment calculator offset mortgage calculator interest rate change calculator contact us today if you want to find out more information about your existing mortgage rate chat with us log in select message us if you want to move house remortgage discuss rates or borrow more new to first direct 0800 48 24 48 mon to fri 8am to 8pm sat 8am to 6pm and sun 9am to 6pm existing first direct customers 03 456 100 103 mon to fri 8am to 8pm sat 8am to 6pm and sun 9am to 6pm if you have completion questions payment changes statement requests or to pay off your mortgage 03 456 100 198 mon to fri 8am to 8pm sat 8am to 6pm and sun 9am to 6pm if you have an ongoing mortgage application 03 456 100 173 mon to fri 8am to 8pm sat 8am to 6pm and sun 9am to 6pm legals privacy cookies accessibility security rates log on to first directory opens in a new window terms conditions press opens in a new window careers opens in a new window sitemap contact us connect with us visit our facebook page opens an overlay visit our twitter page opens an overlay visit our youtube page opens an overlay first direct is a division of hsbc uk bank plc hsbc group 2026 all rights reserved member hsbc group because we want to make 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