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First Direct mortgage review

Our First Direct mortgage review combines customer feedback with expert deal analysis to reveal whether the lender is worth considering next time you apply for a mortgage.

In this article
First Direct mortgages customer ratings What kinds of mortgages does First Direct offer? Does First Direct offer the best mortgage deals? Interest rates on First Direct mortgages
How much can I borrow from First Direct? Can I make overpayments? How can I contact First Direct?

First Direct mortgages customer ratings

First Direct Review
Which? Customer Score
Joint 1st out of 16 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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This year, First Direct has been named one of just two Which? Recommended Mortgage Providers, meaning we think it's one of the best mortgage lenders in the country.

The table below shows how First Direct mortgages performed in our latest mortgage satisfaction survey, which collected real customer feedback on every aspect of their mortgages. 

Customer rating for: Star Rating
Customer service in general

5 out of 5

Value for money 

5 out of 5

Keeping you well informed 

5 out of 5

Clarity of mortgage statements

5 out of 5

Transparency of charges

5 out of 5

Query and complaint handling

5 out of 5

Ability to overpay or underpay mortgage

5 out of 5

Online access

5 out of 5


Star ratings based on a July 2021 Which? survey of 3504 members of the general public in which 90 people told us that they had their mortgage with First Direct.

What kinds of mortgages does First Direct offer?

When we checked in September 2021, there were 30 mortgages available from First Direct.

The vast majority were fixed-rate deals, meaning your interest rate stays the same for an initial period.

First Direct's mortgages offered fixed periods of two or five years.



Does First Direct offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July and August 2021. They compiled a total of 206 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 24, but First Direct featured 53 times. This means it consistently offered some of the cheapest mortgage deals. (Data source: Moneyfacts.)

Interest rates on First Direct mortgages

In September 2021, the average rate on a two-year fixed-rate mortgage from First Direct was 2.14%, compared to the overall market average of 2.38%.

How much can I borrow from First Direct?

First Direct will lend to first-time buyers, home movers and remortgagers at 60%, 75%, 80%, 85% and 90% loan-to-value.

First Direct doesn't publish its borrowing caps, and doesn't deal with mortgage brokers either, so you'll need to speak to the lender directly about how much you might be able to borrow in relation to your annual salary.

Can I make overpayments?

First Direct's deals allow you to overpay your mortgage in lump-sum or regular payments. Unlike some lenders, it doesn't cap overpayments at 10% of the mortgage balance per year. 

How can I contact First Direct?

Mortgages from First Direct are only available directly from the lender, so you won't be able to apply through a mortgage broker. 

New customers can contact 03456 100103, and existing customers can call 03456 100236.

Its website is firstdirect.com.