First Direct is a telephone and internet-based retail bank division of HSBC UK Bank plc based in the United Kingdom.

What are the mortgage products First Direct offers?

First Direct provides a range of banking products including savings accounts, current accounts, and a variety of loans (personal, car, home improvement).

How can I apply for a First Direct product?

You can apply for First Direct products online through their website or mobile app.

Can First Direct help residential mortgage customers?

First Direct offers mortgages for residential customers, including fixed-rate, tracker, and standard variable rate mortgages.

Can First Direct help self-employed mortgage customers?

First Direct offers mortgages to the self-employed needing to see the applicants last 2 years’ worth of accounts. 

Can First Direct help first time buyer mortgage customers?

First Direct offers a range of fixed and variable rate mortgages to first time buyers.

Can First Direct help adverse mortgage customers? Or customers with poor credit rating?

First Direct will help those with adverse credit but it might affect the amount you are offered.

Can First Direct help later life or retired mortgage customers?

First Direct offers a specific First Direct Retirement Mortgage for those over 70 years old. 

Can First Direct help with second charge mortgages, secured loan or homeowner customers? 

First Direct provides further advances for existing borrowers, which could be similar to second charge mortgages or secured loans.

Can First Direct help buy to let mortgage customers?

First Direct offers to let mortgages for individuals looking to invest in property to rent out​. 

Can First Direct help limited companies buy to let mortgage customers?

First Direct also caters to limited companies with specific buy to let mortgage products​.

Can First Direct help with commercial or short-term mortgage customers?

First Direct does not offer commercial mortgages.

What Credit scoring agency does First Direct use?

First Direct uses TransUnion, Equifax and Experian credit reference agencies.