First Direct Mortgage Lender Overview

Lenders

Below you will find a list of UK mortgage lenders. By clicking on the name of the mortgage lender you will be able to read a brief overview of history and products offered...

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First Direct – UK Mortgage Lender

First Direct, part of HSBC group, started trading in 1989. It was the first bank to set up in the UK without its own branches. It offers financial services online via the internet and by telephone.

Mortgage Products

Fixed Rate Mortgages: 2 year, 3 year, 7 year and 10 year fixed rate mortgages and remortgages.

Tracker Mortgages: lifetime base rate tracker mortgages and remortgages.

Standard Variable Rate Mortgage: a variable rate mortgage where monthly repayments go up and down in line with the lender’s base rate; offset option available.

The online arm of HSBC, First Direct, has become a firm favourite with those who like the security of a high street name with the convenience of online availability twenty four hours a day. First Direct has made such an impression that it won the What Mortgage Lender of the Year Award in 2007.

As the whole process is done online, it is possible for borrowers to complete their application in their own time and to consider their options carefully without the pressure of a face to face meeting. Those wishing to obtain advice can phone the help centre.

Other products options include savings, credit cards, insurances and loans, all of which can be applied for online and can be bundled with a mortgage to offer an all-round service to customers. First Direct also allows customers the option of banking by text message, one of the only lenders to offer this service.

Website: www.firstdirect.com

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Typical Interest Payments

First Time Buyers

2.89%

Purchased Fixed

2.89%

Discounted Rate

2.99%

Buy To Let

2.99%

Commercial

3%

 

 

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