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Bank of England Sets Interest Rates to a Record Low

The Bank of England has fulfilled most analysts expectations by reducing its base rate again, setting it at its lowest ever value of 1.5 percent.

8 Jan 09

Mortgage Measures 'Will Only Help Small Percentage of Households'

New measures introduced by the government to assist struggling homeowners will only help a small number of them, according to the Homeowners Advice Centre.

7 Jan 09

Extra Help for Struggling Homeowners Proposed

The government has extended its Support for Mortgage Interest scheme to provide extra assistance for homeowners struggling after losing their job.

6 Jan 09

House Prices Fall Again

The latest figures from Nationwide have revealed that house prices fell again in December, despite signs in November that the market was stabilising.

6 Jan 09

Government Policies 'Not Working'

The shadow chancellor has claimed that the latest mortgage statistics from the Bank of England prove that the government's policies are "not working".

5 Jan 09

	Compare First Direct mortgages details against other mortgages or use our mortgages comparison tables. Did you know First Direct also provide credit cards, savings, current accounts, home insurance and travel insurance?
Company:	First Direct www.firstdirect.com	First Direct www.firstdirect.com	First Direct www.firstdirect.com
Product:	Term BBR + 1.89% Offset LTV 80%	2yr 5.99% Fxd Offset LTV 80%	3yr 5.99% Fxd Offset LTV 80%
	details	details	details
Proceed via this site:

Application Criteria
Max LTV House Purchase:	80%	80%	80%
Max LTV Remortgage:	80%	80%	80%
Max LTV - FTB:	80%	80%	80%
RTB - Max LTV P/P:	n/a	100%	100%
Minimum LTV:	0%	0%	0%
Max Loan:	£0	£0	£0
Min Term:	2 years	2 years	2 years
Max Term:	47 years	40 years	40 years
Remortgage - Min Loan:	£30,000	£30,000	£30,000
House Purchase - Min Loan:	£30,000	£30,000	£30,000
FTB - Min Loan:	£30,000	£30,000	£30,000
RTB - Minimum Loan:	n/a	£30,000	£30,000
Suitability
Remortgage:
FTB:
Self Cert Available:
Self Employed:
Shared ownership:
Homemover:
Ex/B Moving:
Ex/B Not Moving:
Type - Repayment:
Type - Endowment:
Type - Pension:
Type - ISA:
Type - Interest Only:
Restrictions
Restricted Availability:
Contents Required:
Buildings Required:
Must have Current Account:		n/a	n/a
Must pay Salary to Offset:		n/a	n/a
ASU Required:
Interest Rate Loading:	£0	£0	£0
Incentives
Incentives - Set Up Fees:
Incentives - Free Val:
Incentives - Buildings:
Incentives - Contents:
Incentives - Legal Fees:
Incentives - Free ASU:	0
Incentives - HLC:
Incentives - Part ERC:
Incentives - Other:
Loyalty Discount:
Facilities
Product Portable:
Statement Frequency:	monthly	n/a	n/a
Flexible Option:
Overpayments Available:
Underpayment Available:
Payment Holiday:
Borrow Back:
Current Account/Offset:	offset	offset	offset
Current Account Facility:		n/a	n/a
Savings Account Facility:		n/a	n/a
Offset Third Party Saving:		n/a	n/a
Max in Savings Account:	100%	n/a	n/a
Credit Card Facility:		n/a	n/a
Unsecured Loan Facility:		n/a	n/a
ISA Facility:		n/a	n/a
Max No of Linked Accounts:	16	n/a	n/a
Debit Card Facility:		n/a	n/a
Overdraft Facility:		n/a	n/a
Drawdown Facility:
Cheque Book Facility:
Minimum Drawdown £:	£30,000	n/a	n/a
Maximum Drawdown £:	Unlimited	n/a	n/a
Drawdown Time Restriction:	6 months	n/a	n/a
Fees & Charges
Application Fee Payable £:	£799	varies	varies
Application Fees Added:
Valuation Fee:	0	1	1
ERC Calculation:	n/a	3/2%	3/2%
Review Facility Charge:	£0	n/a	n/a
Drawdown Charge £:	£0	n/a	n/a
Rates
Initial Rate Payable:	3.89%	5.99%	5.99%
Variable rate date:	term	n/a	n/a
Final Rate Payable:	3.89%	3.69%	3.69%
Final Rate Type:	n/a	vr	vr
Rate Guarantee:
Gross or Net Repayment:	net	n/a	n/a
Interest Rest Period:	daily	daily	daily

		Mortgage Type	Initial Rate		Final Rate	APR	Max LTV
			Payable	Date/Term
Provider Results
		First Direct Offset Standard Variable Rate LTV 80% Extra Info Full Details More Details: First Direct Offset Standard Variable Rate LTV 80%
		Standard	3.69%	term	3.69%	3.8%	80%
		First Direct Offset Standard Variable Rate LTV 80% Extra Info Full Details More Details: First Direct Offset Standard Variable Rate LTV 80%
		Offset	3.69%	term	3.69%	3.8%	80%
		First Direct Term BBR + 1.89% Offset LTV 80% Extra Info Full Details More Details: First Direct Term BBR + 1.89% Offset LTV 80%
		Standard	3.89%	term	3.89%	Pending	80%
		First Direct Term BBR + 1.89% Offset LTV 80% Extra Info Full Details More Details: First Direct Term BBR + 1.89% Offset LTV 80%
		Offset	3.89%	term	3.89%	Pending	80%
		First Direct Term BBR + 2.09% LTV 80% Extra Info Full Details More Details: First Direct Term BBR + 2.09% LTV 80%
		Standard	4.09%	term	4.09%	Pending	80%
		First Direct 2yr 5.99% Fxd Offset LTV 80% Extra Info Full Details More Details: First Direct 2yr 5.99% Fxd Offset LTV 80%
		Fixed Rate	5.99%	24 months	3.69%	5.1%	80%
		First Direct 2yr 5.99% Fxd Offset LTV 80% Extra Info Full Details More Details: First Direct 2yr 5.99% Fxd Offset LTV 80%
		Offset	5.99%	24 months	3.69%	5.1%	80%
		First Direct 3yr 5.99% Fxd Offset LTV 80% Extra Info Full Details More Details: First Direct 3yr 5.99% Fxd Offset LTV 80%
		Fixed Rate	5.99%	36 months	3.69%	5.2%	80%
		First Direct 3yr 5.99% Fxd Offset LTV 80% Extra Info Full Details More Details: First Direct 3yr 5.99% Fxd Offset LTV 80%
		Offset	5.99%	36 months	3.69%	5.2%	80%
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		Current Account	4.1%	term	4.1%	4.2%	50%
		Compare details 'side by side' of up to 3 mortgages at a time.
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