First Direct Offset Mortgages

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.41%Reverts to 3.75% after 2 years

Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

First Direct are a division of HSBC that provide a number of financial services on the internet and over the telephone.
Like many other banks and building societies, First Direct offer offset mortgages.


Before deciding on whether a First Direct offset mortgage might be best for you, it is advisable to research and compare offset mortgage deals from several different providers. Comparing offers in this way can help customers find the most competitively priced offers available.


Please see the offset mortgage calculator below for more information on these offers: 

About you
Your income
Partner income
Income = £95,000
This calculates your maximum loan
Your property
Property value
Your deposit
Borrow = £160,000
Your loan to value (LTV) = 51%
Your mortgage
Mortgage Type
Payment Method
Payment Term

No mortgages were found which match these requirements. Please use the search form above to find mortgages which suit your precise requirements.

With an offset mortgage from First Direct, customers can make unlimited overpayments if they wish and can also borrow for between 2 and 25 years. These mortgages also allow customers to make withdrawals up to the mortgage limit.


It should be noted that all First Direct offset mortgages are repaid on an interest only basis as repayment mortgages are not available. These are available on remortgaging, equity release, or for house purchases in England, Wales, Scotland or Northern Ireland.


Eligibility and Exclusions:

  • Customers must hold a First Direct current account which will be linked to their mortgage, these accounts can also be linked to other savings accounts
  • Customers can borrow at a minimum of £30,000
  • Minimum salary of £30,000 for sole applicants and £50,000 for joint applicants
  • Applicants must not exceed the age of 65 at the end of the mortgage term
  • Buy to let or business properties are excluded from these mortgage deals



The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker