First Direct Mortgages Reviews

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3.4 stars
Average rating for this product is: 3.4 out of 5

From 0 ratings and 5 reviews

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NameProduct TypeDiscount LengthSubsequent RateOverall Cost  
WoolwichStep Lifetime Tracker1 year(Base+ 2.49%) currently 2.99%3.00% APR
AbbeyTracker2 year4.24%4.10% APR
WoolwichOffset TrackerTerm(Base+ 2.47%) currently 2.97%3.10% APR

Average Ratings for First Direct Mortgages

  • Value for Money3 stars
  • Overall rating3.4 stars

5 Reviews For First Direct Mortgages

  • Rebecca Liebling 1st Jun 2009

    Reviewer rating: 0 stars


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    Bad Points: Different people tell you different things. No one is capable of getting it right. They just all keep saying sorry! I will now look for a product elsewhere and take 15 years of banking with them elsewhere as I want an off set mortgage.


    General comments: I have never experienced such incredible ineptness. After 2 months, + 8 hours on the phone to First Direct Mortgages over this time, dealing with +6 people over this time, 5 lots of paperwork being sent, I am no further forward. I do not have an offer or an application form for the right mortgage. They took the money for the valuation, but cannot confirm that it has been done. And, £599 for the product - that was 4 weeks ago. This is undoubtedly the worst experience I have ever had with a retail bank/ FS company.

  • Guest 28th Sep 2008

    Reviewer rating: 4.5 stars


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    Excellent customer service so far and competitive products. Excellent prompt answering of phone, like fellow reviewers nice to speak to a customer services centre located in UK. Competitive rates for offset fixed base tracker ...... application in principal being sorted.... I don't anticipate changing this review unless things do not go smoothly!

  • Guest 19th Jul 2008

    Reviewer rating: 2.5 stars


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    We are transferring all our accounts and mortgage to One Account, who have been nothing short of brilliant in pushing the administration through to ensure we do not loose our new house.
    Meanwhile, First Direct continue to not return calls regarding their mortgage redemption and have failed to mention (for instance) to our solicitor that they require a request in writing from them, to send out a redemption certificate. Something they could have mentioned in the first call if they were on the ball ...

  • wouldilie Rank: Corporal 13th Mar 2008

    Reviewer rating: 5 stars


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    I wanted a joined up current account and mortgage. I didn't also expect to be able to get a competitive fixed rate with no penalty for partial early redemption. Every time I rang I immediately got through to a genuine English speaking human who could give sensible advice and manage the progress of my mortgage purchase. They coped well with the curve balls my solicitors threw our way and made the whole experience painless.

  • sallyjb Rank: Corporal 15th Jun 2006

    Reviewer rating: 5 stars


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    The First Direct mortgage is an excellent offset mortgage, so if you have money in the bank, this is offset against the payments you make. Easy to use, easy to read statements and good and very simple online facility to check for yourself.

    I would recommend.