Lender
First Direct mortgage rates
We track First Direct's mortgage products and alert you the moment a matching rate drops. Compare them against the whole UK market below.
Rates from 4.24%
| Product | Rate | APRC | Max LTV | Fees | Actions |
|---|---|---|---|---|---|
Life Tracker Repayment - Standard Existing customerTracker | 4.24% | 4.50% | 60% | £490 | — |
Life Tracker Repayment - Standard Existing customerTracker | 4.24% | 4.50% | 70% | £490 | — |
Life Tracker Repayment - Standard Existing customerTracker | 4.24% | 4.50% | 75% | £490 | — |
Life Tracker Repayment - Standard First-time buyerTracker | 4.55% | 4.70% | 60% | £490 | — |
Life Tracker Repayment - Standard First-time buyerTracker | 4.55% | 4.70% | 70% | £490 | — |
Life Tracker Repayment - Standard First-time buyerTracker | 4.55% | 4.70% | 75% | £490 | — |
Life Tracker Repayment - Standard RemortgagingTracker | 4.55% | 4.70% | 60% | £490 | — |
Life Tracker Repayment - Standard RemortgagingTracker | 4.55% | 4.70% | 70% | £490 | — |
About First Direct mortgage rates
The table above shows the lowest First Direct rates we're tracking right now, across every buyer type we see — first-time buyers, home movers, remortgages and existing customers. First Direct prices the same product differently for each, so check the buyer type on a deal before comparing it with your own situation.
If you're an existing First Direct customer, your own product transfer offer is usually the easiest option when your deal ends — but it's rarely the cheapest by default. Use it as the number to beat, then compare it with the whole market before you decide.
How often are First Direct rates updated here?
We check First Direct's published mortgage range every day. Lenders can reprice or withdraw a deal at short notice, so always confirm the rate with First Direct or a broker before you apply.
Can I get an alert when First Direct cuts its rates?
Yes. Set a free alert with First Direct as your lender and we'll email you the moment one of its deals matches your criteria — or drops below a target rate you choose.
Is First Direct the cheapest lender for me?
It depends on your loan-to-value, the length of fix you want and whether you're buying or remortgaging. Compare First Direct's rates with the other lenders we track for the same situation, and include fees, not just the headline rate.
Thinking of switching?
Catch the next First Direct rate drop
Set a free alert and we'll email you the moment a matching rate appears.
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