First Direct Mortgage - Lender Guidance
First Direct
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First Direct

First Direct was launched in 1989 and relies on telephone and now internet banking in two sites - Leeds and Hamilton, Scotland.

First Direct mortgages are designed to be flexible - you can choose to stop and start the capital repayments as long as you cover the interest payments each month. You can also choose to overpay at any time, which could reduce the overall cost of your mortgage and reduce the mortgage term.

There are also interest only repayment mortgages where you can make lower monthly payments but only pay for the mortgage loan itself and do not pay back anything. However you still remain responsible for ensuring the repayment of your mortgage on or before the age of 65.

 
  
 
 
 
 
 
 
Lender Initial Rate Duration Standard Rate Overall Cost For Comparison Max Loan To Value Fee
1.99%2 years3.94%3.7% APR60%£1499
2.45%2 years5.69%5.4% APR75%£999
2.49%2 years4.99%4.7% APR70%£499
2.59%2 years5.64%5.1% APR75%£990
2.59%3 Years4.99%4.4% APR60%£598
2.65%3 years5.49%4.8% APR75%Nil
2.65%2 Years5.69%5.5% APR75%£999
2.69%2 years4.99%5% APR75%£795
2.74%To Mar 20144.99%4.8% APR75%Nil
2.89%2 years4.99%4.7% APR75%£795
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