{"id":25273,"date":"2017-07-31T16:10:06","date_gmt":"2017-07-31T15:10:06","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=25273"},"modified":"2025-01-06T17:15:38","modified_gmt":"2025-01-06T17:15:38","slug":"first-direct-mortgages","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/first-direct-mortgages","title":{"rendered":"First Direct mortgages calculator, rates &amp; review"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Representative example <\/strong><br>A mortgage of \u00a3230,537 payable over 23 years, initially on a fixed rate until 31\/01\/28 at 3.99% and then on a variable rate of 6.49% for the remaining 21 years would require 24 payments of \u00a31,277.66 followed by 252 payments of \u00a31,585.00. The total amount payable would be \u00a3430,099 made up of the loan amount plus interest (\u00a3199,547) and fees (\u00a315). The overall cost for comparison is 6.1% APRC representative.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><h3 id=\"learn\">What types of mortgages can I get with First Direct?<\/h3><ul><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/fixed-rate-mortgages\">Fixed rate<\/a> With this mortgage type, your interest remain locked for a set amount of time, providing certainty about the size of your mortgage repayments.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/remortgaging\">Remortgages<\/a> You can switch your existing mortgage to First Direct via one of its remortgage products.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/offset-mortgages\">Offset<\/a> This mortgage type allows you use a First Direct savings account to offset the amount of your mortgage balance you pay interest on.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/tracker-mortgages-what-are-they-and-how-do-they-work\">Tracker<\/a> With this type of mortgage, your interest rate will shift up and down in line with the Bank of England base rate.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/variable-rate-mortgages\"> Variable rate<\/a> With this mortgage type, your interest rate will shift up and down based on various economic conditions.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/buy-to-let-mortgages\">Buy to let<\/a> This type of mortgage is needed if you want to borrow money to purchase an additional property and let it out.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/shared-ownership-mortgages-buying-a-share-of-a-property\">Shared ownership<\/a> This mortgage type allows you to percentage of a property and pay rent on the remainder. When you can afford it, you can then apply to buy additional percentages of the property.<\/li><\/ul><h3>How to apply<\/h3><p>You can apply online at firstdirect.com or by calling 0800 48 24 48.<\/p><h3>What information is needed to apply?<\/h3><p>You\u2019ll need to show evidence of your employment history and proof of income by providing payslips, a recent P60, three months of recent bank accounts, your pension statement etc. Self-employed applicants will need to provide at least two years worth of accounts.  <\/p><h3>Eligibility criteria<\/h3><p>First Direct lends all over the UK. There is no minimum salary requirement, but all applicants will have to go through affordability assessments and a credit check.    <\/p><p id=\"ukfhl_main_options\">We've teamed up with L&amp;C Mortgages to help you compare live rates from over 80 lenders.<\/p>\n<div class=\"text-xxx-large u-font--bold has-margin-bottom-xsmall\">I want to...<\/div>\n<div class=\"u-grid\">\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-first-buyer\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Buy%2Bmy%2Bfirst%2Bhome%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225273%22%2C%22post_path%22%3A%22mortgages%252Ffirst-direct-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Buy my first home<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-location\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Move%2Bhouse%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225273%22%2C%22post_path%22%3A%22mortgages%252Ffirst-direct-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Move house<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-short-loans-solid\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Remortgage%2B%255BAMPERSAND%255D%2Bsave%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225273%22%2C%22post_path%22%3A%22mortgages%252Ffirst-direct-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Remortgage &amp; save<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-exclusive-deals-solid\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Buy%2Bto%2Blet%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225273%22%2C%22post_path%22%3A%22mortgages%252Ffirst-direct-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Buy to let<\/a><\/div>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"text-center\">We compare brands including:<\/div>\n\n<div class=\"u-grid u-grid--alignCenter no-margin-left no-margin-right has-margin-bottom\">\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png\" alt=\"Post Office Money\u00ae logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png\" alt=\"NatWest logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png\" alt=\"Halifax logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/60f065a491297.png\" alt=\"HSBC logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png\" alt=\"Barclays Mortgages logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png\" alt=\"Molo Finance logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png\" alt=\"Skipton BS logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png\" alt=\"TSB logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<\/div>\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><h3>Contact information<\/h3><p>Existing customers can make mortgage queries by calling 03456 100 103 or emailing 24hours@firstdirect.com.<\/p><h3>First Direct customer reviews<\/h3><p>On customer review platform Trustpilot, First Direct as a bank has 4.4 out of 5 stars and a rating of Poor, based on more than 22,000 reviews. <\/p><p>It\u2019s a much better story on Smart Money People, where First Direct has 4.68 out of 5 stars, based on more than 1,400 reviews. <\/p><p>Some customers praise the customer service on offer and the ease of use of the bank\u2019s app. However, others complain about slow service and lack of empathy for people\u2019s situations (updated April 2024).<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do First Direct do interest-only mortgages?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, among the range of mortgages offered by first direct are interest only offset mortgages. This type of mortgage allows you to link your current and savings accounts to your mortgage \u2013 you\u2019ll only pay interest on the difference between them. So, as an example, if your mortgage is \u00a3175,000 and your savings stand at \u00a335,000, the amount that you\u2019ll pay interest on would be \u00a3140,000.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I switch an existing mortgage to First Direct?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can. To do so, you can either apply online or by phone. Applying online simply consists of providing first direct with a few details and then waiting for them to call you back. If you apply by phone, you\u2019ll be able to get an agreement in principle immediately. Either way, once you\u2019ve completed the preliminary stage of your application you\u2019ll be contacted by first direct to arrange a mortgage appointment.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I increase the amount that I borrow from First Direct?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Doing this is a similar process to switching or applying to open a new mortgage with first direct. To start the ball rolling, call first direct to go through your eligibility and affordability. You\u2019ll then probably receive an agreement in principle over the phone, after which a mortgage appointment can be arranged and your application taken further.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How long is a mortgage offer from First Direct valid for?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Generally speaking, the validity of a mortgage offer varies from lender to lender but is usually valid for around three to six months. An offer from first direct, then, is likely to fall somewhere in this bracket. Exactly how long it\u2019s valid for may vary, so it\u2019s best to check with first direct yourself.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I make overpayments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, although early repayment charges may apply. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">How long does it take to hear a decision?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can expect to hear a decision on your mortgage in principle application on the same day you apply. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Is there a minimum loan amount?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, \u00a310,000 or \u00a330,000 for an offset mortgage. <\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Work out how much a fixed-rate or variable-rate First Direct mortgage could cost you each month and overall.<\/p>\n","protected":false},"author":645,"featured_media":25275,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-25273","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>First Direct mortgage calculator: View rates &amp; 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