first direct Low Deposit Mortgages

first direct offer a range of fixed and tracker rate mortgages that come with a low deposit. Their high loan-to-value mortgages come with a variety of rates and fees to suit every borrower. Check the comparison table below for the latest rates or click on the links for more information.

Compare first direct Low Deposit Mortgages

Mortgage Type

Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Standard: The interest rate rises and falls with the provider’s standard interest rate (SVR).
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Buy to Let: For landlords purchasing a property for letting.

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

The interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

First Direct
2yr 4.09% Fixed LTV 85% Direct Limited Edition
[Show Details]		Fixed4.09%24 months3.69%3.90%85%£999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:15%
Max Loan:£399999
First time buyer:yes
Homemover:yes
Remortgage:yes
First Direct
2yr 4.19% Fixed LTV 90% Limited Edition
[Show Details]		Fixed4.19%24 months3.69%3.90%90%£999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:10%
Max Loan:£399999
First time buyer:yes
Homemover:yes
Remortgage:yes
First Direct
Term BBR + 3.79% LTV 85% Limited Edition Fee Free
[Show Details]		Tracker4.29%termn/a4.40%85%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:15%
First time buyer:yes
Homemover:yes
Remortgage:yes
First Direct
2yr 4.89% Fxd LTV 90% Direct Fee Free Ltd Edition
[Show Details]		Fixed4.89%24 months3.69%4.00%90%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:10%
Max Loan:£399999
First time buyer:yes
Homemover:yes
Remortgage:yes
First Direct
5yr 4.99% Fixed LTV 90% Direct Fee Free
[Show Details]		Fixed4.99%60 months3.69%4.30%90%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:10%
Max Loan:£399999
First time buyer:yes
Homemover:yes
Remortgage:yes
First Direct
Term BBR + 4.49% LTV 90% Direct Fee Free
[Show Details]		Tracker4.99%termn/a5.10%90%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:10%
First time buyer:yes
Homemover:yes
Remortgage:yes
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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