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first direct: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.57 (44 reviews)

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4.61

Based on 44 reviews, last reviewed 24th Jan 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

87%

2 star

Latest highest rating:

5

I’ve banked with First Direct for years and have alw... I’ve banked with First Direct for years and have always had great customer service Reviewed on: 24th January 2026

Latest lowest rating:

1

Worst experience getting a mortgage Took months and months to sort out mortgage as none of the advisors seemed to be consistent. Called up to see if they were waiting for any info from ... Read more Reviewed on: 11th April 2023

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About this product

Banking services provider, First Direct, is a division of HSBC. First Direct offers a variety of financial products and services, including a range of mortgage products. A fixed rate mortgage has a set interest rate for a certain period, usually between two and five years, but sometimes up to ten. Don’t hesitate to speak with the lender or an independent advisor if you need help understanding your mortgage options.

Finding the right mortgage can be difficult with so many on the market. We collect First Direct fixed rate mortgage reviews to give you the insight needed to make an informed decision. Be confident in your new mortgage by reading genuine customer reviews.

Find out why homeowners chose First Direct’s fixed rate mortgage and read about the main pros and cons they’ve experienced so far. Learn more about the application process and how supportive the lender was throughout. Read about genuine experiences with the customer service team to find out how well First Direct handles its customers issues. All of this and more can be found in our First Direct fixed rate mortgage reviews.

If you took out First Direct’s fixed rate mortgage, write an honest review on Smart Money People. Why did you choose this mortgage and have you been satisfied so far? How supportive has First Direct been from start to finish? What are the main pros and cons you’ve experienced? Has the lender kept you up to date with any important mortgage news or changes? Whether good or bad, write a First Direct fixed rate mortgage review today. Together, we can help people like you make better financial decisions.

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first direct Fixed Rate Mortgage reviews (44)

I’ve banked with First Direct for years and have alw...

I’ve banked with First Direct for years and have always had great customer service Reviewed on: 24th January 2026

First direct mortgages early payments without penalties

First direct mortgages offer unlimited early payments without penalty. I think thats a great offer to customers and puts first direct mortgages ahead of other mortgage providers. Reviewed on: 22nd January 2026

First direct, First for Quality and Service

First direct answer the phone quickly by UK based call handlers, who are friendly, knowledgeable and professional. Can’t fault them. Reviewed on: 26th February 2025

Top bank

First direct came up the best deal on comparison site. I already have a current account with First Direct and have never had any problems, always able to get in touch when required and quickly. This was the first time i have taken on a remortgage myself as i have always went through a broker. It was really simple, i got my AIP, i then had a call with my mortgage advisor and we went through what i was looking for and what suited me best. Advisor was friendly and happy to go into any in further detail that i may not have grasped initially. The remortgage went very smooth, i cant believe how quick it all was and the best thing again is being able to speak to someone within a matter of minutes, whereas my last provider had just changed and trying to get through to them took 1hr 34 mins. Not what i need when i am busy Reviewed on: 18th April 2024

Great mortgage company with competitive rates and ex...

Great mortgage company with competitive rates and excellent customer service Reviewed on: 5th April 2024

Best bank - best mortgages

Easy to setup with real people who pick up fast. very competitive rates for good LTV and no overpayment charges if you want to massively overpay. Reviewed on: 31st May 2023

Worst experience getting a mortgage

Took months and months to sort out mortgage as none of the advisors seemed to be consistent. Called up to see if they were waiting for any info from us, told no. Then mortgage delayed because they hadn't sent us the correct forms to complete and send back. My advice would be go to a high street lender when you get advisors who know what is going on and are keeping on top of proceedings. Reviewed on: 11th April 2023

Very good bank

It's easy to use bank, secure, smart intelligent staff Reviewed on: 28th March 2023

Absolutely fantastic!

So informative and customer service is exceptional. Reviewed on: 11th February 2023

First class service

I have been a mortgage customer of first direct for the past 8 years. And have moved house and remortgaged a number of times with them. They offer market leading rates backed up by first class customer service. They also allow unlimited overpayments at any time on their fixed rate mortgages without any penalty or caps which is a rarity. They don’t deal with brokers so you can only get access to their deals by dealing with them directly yourself. Reviewed on: 17th January 2023

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