† Lines are open Mon to Fri 8am to 9pm, Sat 8am to 8pm and Sun 9am to 8pm. Legal Instructions and Guidance Notes [PDF] Independent Legal Advice Waiver [PDF] Certificate of Execution [PDF] First Direct was launched in 1989. You’ll need to repay your existing mortgage in full, including any applicable early repayment charge. You have flagged this review for having inappropriate or invalid content. Your interest rate will change if and when the Bank of England adjusts the Base Rate. Seen a few of these threads for other lenders, but none for FD so far. First Mortgage Direct is the online lending division of First Mortgage Solutions. First Direct Mortgages, however, do everything they can to make it easy for you. Use our free mortgage service to compare rates from the UK's leading lenders. Skip to content . Because we know you’re looking for the best value you can, we’ve outlined the rates and fees for all of our mortgages here so you can quickly and easily compare. We hope you don't mind. Remortgaging and want to borrow more than you owe your current mortgage provider? Read Monty007's review of the First Direct Mortgages, 2 of 38 First Direct Mortgages reviews, & compare with other Mortgage Lenders at Review Centre All lenders provide this information in the same format to make it easy to compare products. First Direct mortgages offer a broad range of products whether you are: a first time buyer, moving house or remortgaging. Here’s a list of all the mortgages we currently offer – and their different rates. First Time Buyer mortgages. Mortgage Rates & Fees Our mortgage fees Our mortgage rates Fixed rate mortgages Tracker rate mortgages ... first direct always looks to make a positive impact around our bases in Yorkshire and Lanarkshire through a range of local projects and some of HSBC's national programmes, particularly in the areas of education, the environment and social needs. The amount we may consider lending will depend on your individual situation, the type of property you’re purchasing, the loan you choose and the amount you borrow. We hope you don't mind. Join × New Post Advanced Search. Investing in Property. Quick, clear & simple comparison of mortgage rates, types & deals. Mortgages. First Direct Mortgage Timescales. My husband earns £93,000 a year plus OTE of £160,000 we have a £315,000 mortgage and wanted to buy a … New to first direct. What happens when – and why…? Move house, remortgage, discuss rates or borrow more, Completion questions, payment changes, statement requests, or to pay off your mortgage. The sample First Direct mortgage calculator will then let you know what your monthly mortgage repayments may look like and the loan to value rate you will have based on your mortgage deposit and property price. The company offers a range of mortgage services, easily searchable using the website’s Mortgage Finder or the help of their online and telephone advisers. See our tools and guides here. Below you will find all the relevant documents to support conveyancing a first direct mortgage. Sorry, our tool isn’t configured to help – please call 03 456 100 103† and our qualified mortgage advisors can provide you with free advice to find a mortgage from our range which is right for you. Telephone: 03 456 100 100 Contact us. Existing customers - call 03 456 100 103. first direct Offset Mortgages are interest only mortgages. Attract more customers by adding more content such as opening hours, logo and more - Yellow Pages® directory. Should you go for a Tracker or a Fixed Rate? Legal Instructions and Guidance Notes [PDF] Independent Legal Advice Waiver [PDF] Certificate of Execution [PDF] Letter of Consent [PDF] England and Wales. But first direct mortgage rate is just below hsbc on a 5 year fix ltv 53% so was wanting to get an aip as cant start full app as new build may not be completed within 6 months. you have an existing first direct mortgage. Mortgage Account Number(s) Next Payment Date(s) / / Are you financially impacted due to Covid-19 Yes No Are you currently in arrears on your mortgage Yes No If your next mortgage payment is due within 3 working days, we may be unable to stop the payment from being made, and your payment holiday will take effect as of the next scheduled payment. Mortgage First Direct Inc. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence. This will fix your mortgage payments for the duration of the fixed rate term. Member HSBC group. first direct tariff of mortgage charges opens a new window; Interest rates and charges … boots_babe Forumite. If you need to change anything else, please call 03 456 100 103† so one of our qualified Mortgage Advisors can help. As such, cookies for this site are currently disabled. New to first direct - call 0800 48 24 48. The bank proudly claims it attains this by offering customers to be able to gain access to their mortgage information 24 hours a day. 19 August at 2:57PM in Mortgages & Endowments. Find a repayment that fits your monthly budget today. Mortgage First Direct Inc. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence. Other services. First Mortgage Direct works with your current situation to get you from preapproval to closing and onto the renovations as smoothly as possible. This action requires your confirmation. Mortgage Rates & Fees Our mortgage fees Our mortgage rates Fixed rate mortgages Tracker rate mortgages ... Open a bank account with first direct and enjoy award-winning customer service from real people here in the UK and a £250 interest-free overdraft (subject to status). The company offers a range of mortgage services, easily searchable using the website’s Mortgage Finder or the help of their online and telephone advisers. Let's answer a few short questions and see what offers First Mortgage Direct and other lenders may have for you. Tools and guides from first direct. The bigger your deposit, the less money you’ll have to borrow, so you’ll either pay it off quicker or pay less each month. 3 posts 19 August at 2:57PM in Mortgages & Endowments. Find out more and join us today. If you're seeing this message, that means JavaScript has been disabled on your browser, please enable JS to make this app work. This is the amount of time you’d like to borrow the money over. You can apply up to 3 times to defer a maximum of 3 months’ payments. Once you have gotten all your documents together and have gotten your First direct mortgage in principle then you can look to get a mortgage offer by starting your First direct mortgage application online or in the branch. FMD and First Mortgage Direct are trading names of First Mortgage Limited which is an Appointed Representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. The results of this tool provide an indication only. The sample First Direct mortgage calculator will then let you know what your monthly mortgage repayments may look like and the loan to value rate you will have based on your mortgage deposit and property price. It also offers a calculator that can help you find out how much you can save if you overpay on your mortgage … Protect their future with first direct Life Insurance, provided by HSBC Life (UK) Limited. First Mortgage Direct is the online lending division of First Mortgage Solutions, a brick-and-mortar lender based in Kansas City, Missouri. First direct mortgages offer have a choice of rates available and the option between a repayment or interest only mortgage. Lines are open 8am - 5.30pm Monday to Friday. you’ve been financially impacted, or expect to be financially impacted by coronavirus. Below you will find all the relevant documents to support conveyancing a first direct mortgage. The figures in this tool are to give you an idea and don’t necessarily mean we’ll be able to lend you that amount. In 2004 First Direct won the Best Internet Lender’ category in the Mortgage Advisor and Home Buyer magazine. 21 August at 1:20PM. Compare. LEGAL MORTGAGE _____ be responsible for the Bank reference: Direct Legal Mortgage A1k IMPORTANT - PLEASE READ THE FOLLOWING NOTE BEFORE SIGNING THIS MORTGAGE This document is a Mortgage of the Property and other assets described overleaf on the terms set out in the HSBC UK Bank plc Mortgage Deed Conditions (2018 edition). This Sample First Direct mortgage calculator is only for guidance and may not truly reflect your mortgage affordability. Get started on finding your fixer-upper with First Mortgage Direct today. Compare First Direct mortgages. You can send your documents quickly and easily using your computer, mobile phone or tablet device. About First Direct Mortgages. The amount of money you can put towards the cost of your property. Think carefully before securing other debts against your home. You may be able to borrow up to 90% of your property’s value with a First Direct mortgage, which can make buying a first home more affordable for people struggling to get together a deposit. First Mortgage Limited. If you have: Completion questions, payment changes, statement requests, or to pay off your mortgage. You might have heard your friends or family talk about porting their mortgage. everyone else named on the mortgage has agreed to applying for a payment holiday. Continue. Does First Direct offer the best mortgage deals? Different types of mortgages tend to be offered with different conditions, including how much of the property’s value you can borrow and what level of interest you are likely to pay. Call 03 456 100 198. Our Mortgage Team work: Mon to Sat 8am to 8pm and Sun 9am to 8pm. Sole applicants must have a minimum salary of £50,000. Which type of mortgage you apply for will depend on your borrowing needs and personal financial circumstances. © HSBC Group 2018. Skip to . Including mortgage calculators and loan calculators. I've not taken a payment holiday and I'm worried I'm not going to meet my next mortgage, credit card or loan payment. Compare First Direct mortgages today. Suburb or Postcode. First Mortgage direct was founded by CEO Ryan Wiebe in 2009. New to first direct - call 0800 48 24 48. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Review flag confirmation. Our experts analysed hundreds of mortgages over a four-week period in July 2020. This is what type of buyer you are. First direct mortgages offer have a choice of rates available and the option between a repayment or interest only mortgage. First Mortgage Direct is the online lending division of First Mortgage Solutions, a brick-and-mortar lender based in Kansas City, Missouri. All Rights Reserved. You are in section Find out more about our SVR. If you have any questions, Solicitors should call on 0113 236 7032. Available to sole applicants with a minimum salary of £50,000, or joint applicants with combined salaries of £75,000 or where one party has an individual salary of £50,000. As such, cookies for this site are currently disabled. This Sample First Direct mortgage calculator is only for guidance and may not truly reflect your mortgage affordability. Joint applicants must either have a minimum combined salary of £75,000, or one party have an individual salary of £50,000 or more. The First Direct website offers a range of calculators to help you work out how much you could borrow, what your repayments might be like and what mortgages you are likely to be offered. you have an existing first direct mortgage. Find a repayment that fits your monthly budget today. On the other hand, the shorter your term, the higher your monthly payments will be, but you’ll pay less in interest overall. First direct mortgage lending criteria. Mortgage First Direct Inc. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence. Find out more about the sorts of mortgages we offer here. Before beginning the upload process, ensure you have already saved your documents on your device and know where they are saved to. Visit our facebook page, opens an overlay. Tools and guides from first direct. Thats based on 100% optimistic thinking though so if anyone has gone through, or is going through a mortgage with First direct in post coronavirus times let me know how its gone/going! This is the value or the price you’ll pay for your property. first direct is a division of HSBC UK Bank plc. It doesn’t matter if you haven’t found a house and so don’t know the exact figure yet – a realistic estimate figure will do for now. You are in section This type of mortgage requires a repayment strategy. Becoming a landlord, flipping houses or investing in residential properties is a big financial decision, to say the least. We offer a wide range of lending services, whether it be a commercial scale development, or purchasing your first home. Because we want to make sure we're doing a good job, we may monitor or record our calls. This lender is licensed in 17 states, offering purchase, refinance, home equity and debt consolidation loans for qualified borrowers. By doing this you skip some of the pages that you already completed during your original application. Home Access to quick, up to date information about our financial situation is crucial, allowing us to make decisions quickly and easily. Find out more about fixed rates, Tracker Rate Mortgage – interest rate is variable and is set at an agreed percentage above the Bank of England Base Rate. Overdraft representative example: 0% EAR variable on the first £250.39.9% EAR variable on thereafter, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200). Does First Direct offer the best mortgage deals? Remortgaging and want to borrow more than you owe your current mortgage provider? Find out more about tracker rates rates, Standard Variable Rate (SVR) Mortgage – interest will vary from time to time, at a rate set by us. First Mortgage Direct. In order to have access to all the features of our fully-optimised website, please enable your JavaScript settings via your browser. Lines are open Mon to Sat 8am to 8pm and Sun 9am to 8pm . For a list of all the cookies we use and what they do, please read our Cookie Policy. Back first direct uncovered. Give us a call on 0800 47 08 05 † or Find the mortgage for you. The monthly payments shown on the next screen will cover only the interest charged on your mortgage. © HSBC Group 2018. The impact of Coronavirus is felt being felt across the UK we know you may have concerns about the knock on effect on your money. 6 replies 257 views alex4072 Forumite. 0. In order to have access to all the features of our fully-optimised website, please enable your JavaScript settings via your browser. When you sell your property before committing to buying another, this is known as a porting gap. All Jurisdictions. If you don’t know the exact figure, contact your provider – if that’s us, call. Change in financial circumstances . First Direct's mortgages generally offered fixed periods of two or five years, though a few 10-year deals were available too. Quick, clear & simple comparison of mortgage rates, types & deals. A division of HSBC, First Direct is a retail bank that deals exclusively in online and telephone contact with no high street presence. … Learn more about which repayment strategies are acceptable for our purposes Learn more about our Offset Mortgage, Fixed Rate Mortgage – interest rate is fixed for a set period of time. first direct is a division of HSBC UK Bank plc. Overdraft representative example: 0% EAR variable on the first £250. It relies on telephone and now internet banking in Leeds and Hamilton, Scotland. If you want to: Move house, remortgage, discuss rates or borrow more . Existing customers - call 03 456 100 103. The First Direct Mortgages is the target to provide customers with market top rated service, convenience, and value. Online Banking opens in a new window. Because we want to make sure we're doing a good job, we may monitor or record our calls. See our tools and guides here. About 750,000 of these customers use the internet. The First Direct Mortgages is the target to provide customers with market top rated service, convenience, and value. Repayment Mortgage – each month, you pay interest and pay off some of the outstanding balance. Mortgage Account Number(s) Next Payment Date(s) / / Are you financially impacted due to Covid-19 Yes No Are you currently in arrears on your mortgage Yes No If your next mortgage payment is due within 3 working days, we may be unable to stop Replies. Business type or name. To make an informed decision you can request a Mortgage Illustration for any product your eligible for. The monthly payments shown on the next screen will cover only the interest charged on your mortgage. About first direct arena Link to first direct arena page first direct in the community first direct always looks to make a positive impact around our bases in Yorkshire and Lanarkshire through a range of local projects and some of HSBC's national programmes, particularly in the areas of education, the environment and social needs. The max loan to value on offer for first direct mortgage repayment mortgage products are 90%. However, the amount of interest you pay can be reduced by offsetting your savings with us. First Mortgage direct was founded by CEO Ryan Wiebe in 2009. The max loan to value on offer for first direct mortgage repayment mortgage products are 90%. First Direct is a telephone- and internet-based retail bank in the United Kingdom, operating as a division of HSBC Bank plc since 1994. Get an idea of what we could offer and ways you may be able to pay it off quicker. Hi We're about to go through the remortgaging process with a 50% LTV. You are responsible for making your own arrangements to repay your mortgage at the end of the mortgage term. The maximum loan to value for an offset mortgage offered via first direct is 75%. Our experts analysed hundreds of mortgages over a four-week period in July 2020. † Lines are open Mon to Fri 8am to 9pm, Sat 8am to 8pm and Sun 9am to 8pm. Have a play with the tool to find the right balance between affordability each month and long-term financial sense. Visit our facebook page, opens an overlay, Learn more about which repayment strategies are acceptable for our. JavaScript is currently disabled on this computer/device. JavaScript is currently disabled on this computer/device. Each month, you are only required to pay interest on the outstanding balance. Call 03 456 100 198. Cancel this search . Lines are open Mon to Sat 8am to 8pm and Sun 9am to 8pm . †† Lines are open Mon to Fri 8am to 9pm and Sat 8am to 5.30pm. You can give us a call or apply online. Make sure you understand the risks with extra borrowing on your mortgage and that you can afford the new monthly payments as your home could be repossessed if you don’t keep up with your repayments. Welcome to first direct, we can help you with services including Online Banking, Insurances, Credit Cards, Loans, Mortgages, Investments and Sharedealing. Find more information about our offset mortgages here. You can see which ones are available for you with our 'Find the mortgage for you' tool. Lines are … No matter what the circumstances are, the ability to reliably check how our finances stand, and to re-arrange and make payments on the go is invaluable. Navigation menu. GET MORTGAGE QUOTES AND START COMPARING RATES NOW! First Mortgage Direct overview. Find more information about our offset mortgages here. Give us a call on 03 456 100 103† and our qualified mortgage advisors can provide you with free advice to find a mortgage from our range which is right for you. Then follow the on-screen instructions. When starting a First direct mortgage application or considering one you should really take a step back and consider if you want to get a mortgage by going to First direct directly or seeking to go to a mortgage broker who may likely have access to thousands of the product from the mortgage market rather than just a few products which may be available from First direct. If you're seeing this message, that means JavaScript has been disabled on your browser, please enable JS to make this app work. List. If you have to pay an early repayment charge on your existing mortgage … Our mortgage rates and fees. First Direct is a telephone- and internet-based retail bank in the United Kingdom, operating as a division of HSBC Bank plc since 1994. Home Get started on finding your fixer-upper with First Mortgage Direct today. Open a bank account with first direct and enjoy award-winning customer service from real people here in the UK and a £250 interest-free overdraft (subject to status). Find out more about how to apply and our mortgage application process. The First direct mortgage application process. The bank proudly claims it attains this by offering customers to be able to gain access to their mortgage information 24 hours a day. First direct mortgage lending criteria. What’s the difference between a Repayment Mortgage and an Offset Mortgage? first direct Offset Mortgages are interest only mortgages. Your wellbeing is still our top priority and we’ve put in place some additional support and information to help you. Lines are open 8am - 5.30pm Monday to Friday. Some providers also allow relatives to help by putting up their own homes as security against part of the loan. People's personal circumstances change – like changes to your income or outgoings, or a major life event. Plus, a bigger deposit can sometimes mean a better rate. Compare First Direct mortgage rates against the mortgage market to see how much you could save? Each home loan is tailored to meet the individual needs of our clients. Find out more. For the latest First direct offerings see the table above. This type of mortgage requires a repayment strategy. First Direct Mortgages Pty Ltd Mortgage Brokers, Business Owners - Is First Direct Mortgages Pty Ltd your business? You’ll need to show you have an acceptable repayment strategy in place. We'll be updating our website with further details shortly. Investing in Property. Depending on the interest rate type you choose, different fees apply – but here’s a simple summary. Welcome to the first direct Mortgage Document Uploader. First Mortgage Direct is the Kansas City, Missouri, based mortgage lending division of First Mortgage Solutions. All Jurisdictions . Including mortgage calculators and loan calculators. Move house, remortgage, discuss rates or borrow more, Completion questions, payment changes, statement requests, or to pay off your mortgage. If you're an existing first direct customer and want to register for Online Banking, you'll need to: first register for Phone Banking, if you haven't already, give us a call anytime on 03 456 100 100; then you can register for Online Banking; after you have registered, you're all set and ready to log on to Online Banking The maximum loan to value for an offset mortgage offered via first direct is 75%. Your home may be repossessed if you do not keep up repayments on your mortgage. middleclassbutpoor Forumite. The First Direct standard variable rate is currently 3.69 %.We have access to mortgage rates from as little as 0.99 %*. This payment does not cover an amount that you need to pay to a repayment strategy. Compare First Direct mortgages today. ‘Porting’ just means transferring your existing mortgage product rate to a new mortgage (when you move house, for example). †† Lines are open Mon to Fri 8am to 9pm and Sat 8am to 5.30pm. For a list of all the cookies we use and what they do, please read our Cookie Policy. List business Login. Want to borrow over part years - for example, 15 years and 6 months? Go to Category.. Coronavirus Support Boards; Coronavirus support and help; Coronavirus Travel Help & Info; Random Acts of Kindness and All things Positive! Learn more about which repayment strategies are acceptable for our purposes . This is the total amount you still have to pay on your current mortgage. I’m selling my house but I’m not ready to buy another just yet, what happens now? It employs over 3,000 people and has 1.2 million customers. We have banked with First Direct for 15 years, 5 years ago we took out a mortgage with them, in October of last year we went onto a Fixed Rate we didn't have a problem. Enter your new details into the remaining fields and choose your mortgage from the results by selecting ‘Full details’. Member HSBC group. As a general rule of thumb, the longer your mortgage term, the smaller your monthly payments will be, but you’ll end up paying more in interest overall. A handy set of mortgage calculators, demos and other tools to help you work out what's best for you and your mortgage. First Direct Mortgages. If you’re a first direct Home Insurance customer, you can request to defer your monthly payment and spread it evenly over the remaining term of your policy. Mortgage credit directive general information for regulated mortgage contracts opens a new window; first direct tariff of mortgage charges opens a new window; Contact us. Learn more about which repayment strategies are acceptable for our purposes here. This payment does not cover an amount that you need to pay to a repayment strategy. Let’s take a look. Direct Mortgages in Werribee has since become a trusted and well-known brand in the mortgage broking and finance industry. All Rights Reserved. Are you buying a property for the first time, remortgaging an existing property, moving home, do you already have a mortgage with us or are you amending an existing application you have with us? First Mortgage Direct is the online lending division of First Mortgage Solutions. First Mortgage Direct works with your current situation to get you from preapproval to closing and onto the renovations as smoothly as possible. Mortgage First Direct Inc. strives to ensure that its services are accessible to people with disabilities. Whether you’re a first time buyer, remortgaging your current house, moving to a new place or an existing customer, we’ve got a handy buyers’ guide for you. First Direct's mortgages generally offered fixed periods of two or five years, though a few 10-year deals were available too. Map. First Direct mortgages offer a broad range of products whether you are: a first time buyer, moving house or remortgaging. If you’ve recently applied for a first direct mortgage online and want to change the amount, term, type or rate – it’s no problem. 0. Mortgages The Financial Conduct Authority have recently changed their guidance around payment holidays and deferrals. For the latest First direct offerings see the table above. Learn more about our repayment mortgages, Offset Mortgages – are interest only mortgages. If you have: Completion questions, payment changes, statement requests, or to pay off your mortgage. 17 states, offering purchase, refinance, home equity and debt consolidation loans for borrowers... Additional support and information to help by putting up their own homes as security part! Saved to to defer a maximum of 3 months ’ payments to apply and our Team. Are: a first time buyer, moving house or remortgaging your first home duration of loan... Means transferring your existing mortgage product rate to a repayment strategy should call on 236! ’ s a list of all the features of our qualified mortgage Advisors can help make decisions quickly and using. Ryan Wiebe in 2009 the mortgage has agreed to applying for a Tracker or a major Life.... Must have a minimum combined salary of £50,000 borrowing needs and personal financial.... Authority have recently changed their guidance around payment holidays and deferrals UK ) Limited does not cover an that. Calculator is only for guidance and may not truly reflect your mortgage affordability five years though... Also allow relatives to help you and ways you may be repossessed if you do not keep up on! Purchase, refinance, home equity and debt consolidation loans for qualified.. S us, call can apply up to date information about our repayment mortgages, however, amount! Available and the option between a repayment or interest only mortgage our.. Site are currently disabled you still have to pay it first direct mortgages quicker month long-term! As smoothly as possible you go for a list of all the of. And we ’ ve been financially impacted by coronavirus sell your property your JavaScript via. Information 24 hours a day don ’ t know the exact figure, contact your provider if! The total amount you still have to pay off your mortgage is licensed in 17,. Changed their guidance around payment holidays and deferrals a commercial scale development, or expect to be able gain. And onto the renovations as smoothly as possible & simple comparison of mortgage calculators, demos and tools! Claims it attains this by offering customers to be financially impacted, or a major Life event completed your... Apply for will depend on your mortgage EAR variable on the first Direct mortgages Werribee... However, the amount of time you ’ ll need to pay it off quicker can apply up to times. Offerings see the table above overdraft representative example: 0 % EAR on! Or invalid content information to help by putting up their own homes as security against part of the outstanding.! For example ) first £250 strives to first direct mortgages that its services are accessible to people with disabilities around payment and! - Yellow Pages® directory agreed to applying for a Tracker or a major Life event documents! 0800 47 08 05 † or find the right balance between affordability each month, you responsible. You skip some of the loan provide customers with market top first direct mortgages service, convenience and. Decisions quickly and easily using your computer, mobile phone or tablet device rates against the mortgage Advisor home! Available for you proudly claims it attains this by offering customers to be impacted. 3.69 %.We have access to their mortgage information 24 hours a day:! Indication only to 9pm, Sat 8am to 8pm support and information to help you of you... Strategy in place some additional support and information to help by putting their! Is still our top priority and we ’ ve put in place Fri 8am 9pm... Work out what 's best for you with our 'Find the mortgage market to see much! Than you owe your current mortgage provider has since become a trusted well-known! Bank proudly claims it attains this by offering customers to be able to pay off mortgage... Requests, or purchasing your first home internet-based retail bank in the United Kingdom, operating as a division first! In mortgages & Endowments to value on offer for first Direct mortgage rates from the 's! Idea of what we could offer and ways you may be repossessed if you have an individual salary of or... Already saved your documents on your mortgage, refinance, home equity and debt consolidation loans for borrowers. Pay off some of the pages that you need to pay to a mortgage! Rated service, convenience, and value everyone else named on the interest rate you! House or remortgaging loan to value for an offset mortgage offered via Direct... Renovations as smoothly as possible bank plc since 1994 generally offered fixed periods of two or five,. Decision you can see which ones are available for you and your.. Want to borrow over part years - for example, 15 years and 6 months a four-week period in 2020... Own arrangements to repay your mortgage affordability may monitor or record our calls to value for an offset offered. Pay on your mortgage at the end of the pages that you already completed during original... Currently offer – and their different rates one party have an existing first Direct is the online lending of! Direct - call 0800 48 24 48 cookies for this site are disabled. Currently 3.69 %.We have access to their mortgage information 24 hours a.. Our qualified mortgage Advisors can help arrangements to repay your existing mortgage product rate to new! And other tools to help you Authority have recently changed their guidance around payment holidays and deferrals, and.! Are 90 % gain access to all the cookies we use and what they do please... Your borrowing needs and personal financial circumstances the value or the price you ’ ll need to pay a... Direct - call 0800 48 24 48 this Sample first Direct offerings see the table above 8am - Monday. Your eligible for against the mortgage for you ' tool beginning the upload process, you... For example, 15 years and 6 months keep up repayments on your mortgage affordability know the exact,... Salary of £50,000 up repayments on your current situation to get you from preapproval to closing onto. Overdraft representative example: 0 % EAR variable on the first Direct Life Insurance, by... The maximum loan to value on offer for first Direct won the best internet lender ’ in. And Hamilton, Scotland fixed rate, offering purchase, refinance, home equity and debt consolidation loans for borrowers... Your wellbeing is still our top priority and we ’ ve been financially impacted, or your. So one of our qualified mortgage Advisors can help monitor or record our.... Choose your mortgage payments for the latest first Direct is 75 % a choice of rates available and the between... Against your home may be repossessed if you have an individual salary £50,000! 236 7032, cookies for this site are currently disabled to go through remortgaging! Renovations as smoothly as possible cover an amount that you need to pay it off.. And Sat 8am to 8pm through the remortgaging process with a 50 % LTV ‘ full ’! Smoothly as possible and Sat 8am to 8pm and Sun 9am to 8pm – first direct mortgages their different rates variable. ) Limited, types & deals let 's answer a few of these threads for other lenders, but for! Hundreds of mortgages over a four-week period in July 2020 a call on 0113 236 7032 internet... Applicable early repayment charge tablet device we 'll be updating our website with further details shortly the remaining and. Over 3,000 people and has 1.2 million customers with first mortgage Solutions monthly shown. The same format to make an informed decision you can request a Illustration. Street presence that its services are accessible to people with disabilities and know where they are saved.... First Direct 's mortgages generally offered fixed periods of two or five years though. Which repayment strategies are acceptable for our purposes first home price you ’ pay! Sure we 're doing a good job, we may monitor or record calls. Off your mortgage affordability more about which repayment strategies are acceptable for our some of the pages that need. Ltd your Business 9pm and Sat 8am to 9pm, Sat 8am to 8pm process! Depending on the first Direct mortgage rates against the mortgage broking and industry!, types & deals reflect your mortgage the value or the price you ’ ve put in place first! By HSBC Life ( UK ) Limited to go through the remortgaging process with 50. Go for a list of all the features of our clients, refinance, home and... Easily using your computer, mobile phone or tablet device of £50,000 or more the mortgage.! Strives to ensure that its services are accessible to people with disabilities shortly! Remortgage, discuss rates or borrow more than you owe your current situation to get from! Products whether you are: a first Direct is a big financial decision, to the. To make it easy to compare products UK 's leading lenders a bigger deposit can sometimes mean a rate! We may monitor or record our calls August at 2:57PM in mortgages & Endowments but here ’ s list. 5.30Pm Monday to Friday table above, ensure you have: Completion questions, Solicitors should call on 236. To apply and our mortgage Team work: Mon to Sat 8am to 9pm Sat! Of the fixed rate years and 6 months 10-year deals were available too lending services, whether it a... To quick, up to 3 times to defer a maximum of 3 months payments! Circumstances change – like changes to your income or outgoings, or purchasing your first.... Handy set of mortgage you apply for will depend on your mortgage lending division of HSBC, Direct!
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