Compare First Direct Mortgages

First Direct mortgage reviews

Compare First Direct mortgages from UK providers

First Direct mortgage reviews

First Direct is an “online” bank, originated by Midland Bank, but now part of HSBC.  A pioneer in phone and internet banking, First Direct now has over 1.45 million customers and remains popular with the tech-savvy.  First Direct offers a range of mortgages and they only work directly with customers and not via brokers. If you’d like to see if First Direct has the right mortgage for you, use Quotezone’s independent comparison tool to compare First Direct mortgage quotes with other providers.

Are First Direct mortgage reviews good?

Yes! First Direct currently has 4.2 out of 5 stars on Trustpilot, with over half the reviewers rating the bank as excellent.

First Direct mortgage reviews are also rated extremely highly by Which? customers, who placed them joint first on the mortgage lenders leader board.  First Direct’s mortgages received 5 out of 5 stars across all the rating criteria, including customer service, value for money, online access and payment flexibility.

Who can get a mortgage with First Direct?

Both new and existing customers can get a mortgage with First Direct, but a mortgage broker cannot negotiate a deal on your behalf.

There are mortgages available for first time buyers, home movers, those looking to remortgage, and existing customers who’d like to change their mortgage.

To be eligible for a First Direct mortgage you must be a permanent UK resident and taxpayer, and be able to provide proof of your earnings and outgoings (whether you’re an employee or self-employed). 

Does First Direct offer buy to let mortgages?

No, they currently don’t offer buy to let mortgages.

How do you apply for a First Direct mortgage?

First Direct does not have branches, so your mortgage application will take place online or over the phone. You will be able to get an Agreement in Principle using either method. 

What are the benefits of getting a mortgage with First Direct?

In addition to receiving great reviews from customers in terms of customer service and good value deals, First Direct also offers mortgage customers:

• Free mortgage advice from qualified advisors – available seven days a week.
• An Agreement in Principle in as a little as 30 minutes by phone.
• Mortgage terms of up to 40 years.
• Mortgage porting for existing customers.
• Unlimited overpayments.

What types of mortgages are offered by First Direct?

First Direct offers three types of repayment mortgages (where you pay off part of the loan each month, plus interest):

• Fixed rate
• Tracker rate
• Standard variable rate

They also offer offset mortgages (where you use your own savings to make savings on your mortgage), and these are all interest only – meaning you’re only paying back the interest on the loan, not the loan itself.

How long does it take to get a mortgage approval with First Direct?

Expect to wait 2-6 weeks to receive your mortgage approval from First Direct.  Having all the required documentation ready at the start of the application process can help to move things along.

If you’re ready to find a new mortgage, compare First Direct mortgages now.